Directors’ & Officers’ Liability

Financial & Professional coverages

We place standalone and blended D&O programmes, adapting structure and wording to the client’s sector, jurisdiction, and risk profile. Key capabilities include:

Public Company D&O
Specialised focus on organisations with market cap of USD100 million and above.
Crypto D&O
Capacity up to USD75 million; Crime limit USD125 million; Specie limit USD1 billion.
Fintech Solutions
Proprietary wording blending D&O, FIPI, Tech E&O, Crime, and Fiduciary exposures.
Capital Markets
Coverage for IPOs, SPACs, and De-SPACs, including foreign filers and US-domiciled entities.
Multinational Programmes
Solutions for organisations with global policy requirements.
Distressed & Restructuring Scenarios
Deep experience in bankruptcy and litigation across jurisdictions.

Industries we support with Financial & Professional solutions

We work with brokers supporting clients across sectors where governance, regulatory, and personal liability risks are high:

Spotlight Solution

Fund Sentinel: Our portal for fund managers D&O insurance

Award-winning D&O protection, purpose-built for fund managers.

Fund Sentinel is a specialist Directors’ & Officers’ Liability insurance solution designed exclusively for investment firms. Delivered via a secure online platform, it offers instant quotes, seamless policy management, and market-leading wording backed by London capacity.

Built for GPs, directors and fund entities across private equity, venture capital, credit, real estate and tokenised structures, Fund Sentinel combines comprehensive D&O, Entity and PI cover with reduced deductibles and simplified purchasing.

Whether you manage a single fund or a multi-platform operation, Fund Sentinel brings speed, clarity and confidence - without compromise on protection.

Bermuda Market Spotlight

Flexible, high-capacity protection for emerging and distressed exposures.

Our Bermuda D&O solution is designed for businesses facing unconventional, hard-to-place, or distressed risks. With USD66 million GWP placed and >95% client retention, it offers underwriting agility and deep market appetite for sectors like digital assets, cannabis, and restructuring scenarios.

Delivered through 19 direct markets, including 7 with Lead DIC forms and 5 Primary ABC carriers, our Bermuda programmes feature towered or standalone structures, streamlined excess capacity, and large dedicated limits.

Whether you're navigating bankruptcy, launching a SPAC, or operating in an emerging industry, Bermuda delivers speed, certainty, and long-term capital - backed by on-island underwriting and claims teams.

Directors’ & Officers’ insurance

Frequently Asked Questions

What does D&O insurance cover?

D&O provides financial protection for directors, officers, and senior managers against personal claims arising from alleged wrongful acts, mismanagement, or breach of duty. It covers legal costs, settlements, and damages.

Who is covered under a D&O policy?

Coverage typically extends to individuals subject to regulatory approvals (e.g. Senior Managers regime), as well as the Data Protection Officer, General Counsel, Risk Manager, and other senior employees.

How is D&O different from Professional Indemnity (PI)?

D&O protects individuals from personal liability, while PI covers the company for claims arising from professional services or advice.

Can D&O cover investigations and whistleblowing claims?

Yes. D&O can respond to regulatory investigations, whistleblower allegations, and self-reporting scenarios, helping protect personal assets and fund legal defence.

Do you support IPO and M&A-related D&O placements?

Absolutely. We place pre-IPO cover, run-off for exited directors, and increased limits around corporate events including SPACs and de-SPACs.

How are claims handled?

Our claims team is embedded in the broking process, ensuring technical support, insurer engagement, and continuity from placement through resolution.