About our Directors & Officers Insurance
When you’re responsible for leading a business, every decision you make carries personal exposure. Even with strong governance and good intentions, you can still face allegations of wrongdoing, and defending those claims can quickly become complex and costly.
Directors & Officers Insurance is designed to protect you, your fellow decision‑makers and the company itself when issues arise.
At Abbeyfields Insurance, we work with specialist insurers who understand the pressures facing business leaders. Whether you run a small business or a larger organisation with multiple directors or senior officers, we’ll help you get cover that reflects the responsibilities, structure and regulatory environment you operate in.
Why you need Directors & Officers Insurance
If you’re involved in running a business, you can be held personally accountable for the decisions you make. Claims can come from employees, shareholders, regulators, customers or third parties. Even unfounded allegations can take time, money and energy to resolve. Without the right protection, you and your colleagues may be held liable for legal fees, compensation and settlements.
Our Directors & Officers Insurance can give you a safety net when something goes wrong. It helps protect individuals and the business against claims of wrongful acts, breaches of duty, mismanagement, employment disputes and regulatory investigations. You’ll also have access to specialist legal support from experts who understand these situations in the event of a claim.
It’s a straightforward way to protect your leadership team and maintain confidence in your business.
What our Directors & Officers Insurance includes
With more than 45 years of experience supporting commercial clients, we understand the pressures that come with running a business. We’ll take the time to understand your business, operations, responsibilities and risks, then build a policy that protects your directors and officers properly. Your cover can include:
- Defence costs for directors and officers
- Cover for awards, settlements and legal representation
- Corporate Legal Liability cover for claims made against the business
- Damages arising from wrongful act allegations
- Employment Practices Liability for employment‑related disputes
- Protection against claims from employees, shareholders, regulators or third parties
- Protection for past, present and future directors, officers and employees
- Access to a 24/7 legal crisis helpline
- Support from specialist defence and investigations lawyers
Why choose Abbeyfields for your Directors & Officers Insurance?
Abbeyfields is a family‑run, independent broker with long‑standing experience in arranging cover for businesses of all sizes. Our experienced team underwrites policies on behalf of the UK’s leading insurers, and our admin fees are among the lowest on the market. When you call us, you’ll speak directly to someone who can help you get the right protection straight away. Here’s what you can expect when you choose us:
Clear, practical guidance
Personal service from people who care about your business
Strong relationships with leading insurers
Fast, friendly support whenever you need us
Help with your claims from start to finish
Competitive, well‑structured premiums
Straightforward policy updates as your business evolves
We’re here to make protecting yourself and your team simple, so you can focus on running your business with confidence.
Frequently asked questions
Check out our FAQs below. If you still can’t find what you’re looking for, get in touch. We’ll be happy to help.
It protects you against the cost of defending allegations of wrongful acts, breaches of duty, mismanagement and other decisions made in your role as a director or officer. This includes legal fees, settlements and compensation. It also gives you access to specialist claims advisers who understand how these claims unfold.
Their classification is closely tied to major historical events. World War I dramatically reduced car production in the UK. But it also accelerated advances in engineering and mass‑production methods. By the time manufacturing resumed after the war, the industry had changed significantly, which is why 1919 is widely recognised as the dividing line between veteran and vintage vehicles.
The global economic pressures of the late 1920s and early 1930s further shaped the landscape, reducing the number of UK manufacturers and leaving marques like Morris, Austin and Singer as the dominant names of the era.
Yes, and the distinction matters.
Corporate Legal Liability covers claims made directly against the company itself, such as regulatory breaches, reporting errors or failures in corporate governance.
Employment Practices Liability focuses on employment‑related disputes, including claims of unfair dismissal, discrimination, harassment or failure to follow proper procedures. Together, they provide a rounded layer of protection for your business and the people running it.
Almost anyone connected to your business. Claims can come from employees, shareholders, regulators, customers, suppliers or other third parties. Even if the allegation is unfounded, you may still need to defend it, and that can be costly without insurance.
Yes. Your policy can protect past, present and future directors and officers, provided the claim relates to actions taken during their time in the role. This ensures continuity of protection, even after someone has stepped down.
Not at all. Smaller businesses, charities, community organisations and family‑run firms often have the same responsibilities as larger organisations, just with fewer resources to absorb the impact of a claim. If your organisation has people making decisions, Directors & Officers Insurance is well worth considering.
Protect your business today
Call our team on 0121 655 3420 to discuss your needs, or complete our online form and tell us the best time to call you back. We’re here Monday to Friday, 9am to 5pm. We’ll talk through your business, your responsibilities and your risks, then create a tailored Directors & Officers Insurance policy that covers everything properly. We look forward to hearing from you.
