D&O Insurance
Protecting your executives against personal Legal Risks.
What is D&O Insurance and Who Does It Protect?
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D&O (Directors and Officers) Liability Insurance protects the personal assets of board members, executives, and company directors against claims arising from their professional management decisions. In today’s increasingly regulated and litigious business environment, senior executives may face lawsuits for actions taken in the course of their duties.
Purchasing a D&O policy is not a luxury, but a strategic necessity. It covers legal defense costs, settlements, and liabilities that may fall directly on executives—potentially even threatening their family assets.
Real Risks: Decisions, Conflicts, and Unexpected Claims
Claims may be brought by employees, shareholders, competitors, clients, suppliers, or even regulatory authorities. The exposure is not always linked to major financial scandals, but often to everyday management situations that, if mishandled, can escalate.
Common Cases: Harassment, Dismissals, and Shareholder Disputes
At JHASA, we have handled cases where D&O policies were triggered due to harassment allegations. In one instance, a senior executive was personally sued by an employee for workplace harassment. The coverage allowed legal defense costs to be covered and safeguarded the executive’s personal assets throughout the proceedings.
Other frequent scenarios include wrongful termination claims, shareholder disputes, mismanagement allegations, or regulatory fines.
What Exactly Does a D&O Policy Cover?
Legal Defense and Bail
- Attorneys’ and expert witnesses’ fees
- Court and litigation costs
- Civil and criminal bonds
- Allegations of harassment, discrimination, or wrongful dismissal
- Claims for mismanagement or breach of fiduciary duty
- Employee and former employee disputes
Third-Party and Regulatory Liability
- Claims from clients, suppliers, or competitors
- Administrative sanctions
- Proceedings initiated by regulators such as the Data Protection Authority or Securities Market Commission
The Strategic Value of D&O for Corporations and Investment Funds
At Jhasa, we manage D&O programs for large corporations and investment funds, where exposure to legal risks is significant. Executives in these environments require robust protection against complex decision-making, evolving regulations, and potential corporate disputes.
A solid D&O policy not only protects executives—it also strengthens board stability and inspires investor confidence.
Why Choose Jhasa?
Experience with High-Profile Organizations
We do not offer off-the-shelf solutions. We analyze governance structure, industry specifics, and each organization’s exposure profile to design a tailored policy aligned with real needs.
Legal Expertise to Interpret Coverage Part of our team has legal training and hands-on experience, enabling us to correctly interpret exclusions, special conditions, and policy clauses.
This expertise makes the difference when it matters most.
At JHASA, we provide tailored Directors & Officers (D&O) Liability solutions for companies and executives across all industries, protecting the personal assets of board members and senior managers against claims arising from their management decisions – covering regulatory, labor, shareholder, and third-party exposures – so you gain board stability, investor confidence, and comprehensive financial protection.
Contact us today and discover how we can help you assess your executive liability risks, secure the right level of protection, and ensure peace of mind with customised D&O Liability programmes.