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1000+
Businesses Covered
200cr+
Claims Processed
95%
Claims Paid

What D&O Insurance Covers:

Protects past, present and future insured persons including directors, officers, managers and employees against claims arising from decisions or actions taken while performing their duties for the company.

01

Directors & Officers Liability

Protects insured persons against personal liability arising from alleged wrongful acts, errors, omissions or breaches of duty while managing the company.

02

Defence & Claim Expenses

Covers defence costs, legal fees, investigation expenses, settlements and other covered claim expenses, including certain court attendance, PR/crisis communication, extradition and kidnap-related costs.

03

Employment-Related Claims

Covers claims against management arising from wrongful termination, harassment, discrimination, retaliation, and other employment-related allegations.

04

Securities-Related Claims

Protects directors and officers against claims from shareholders, investors or regulators alleging misrepresentation, misleading disclosures, breach of securities regulations, or other wrongful acts related to the company’s securities.

05

Tax & Statutory Liability

Protects directors and officers where they are held personally liable for certain unpaid corporate taxes or statutory dues, subject to applicable law and policy terms.

06

Spouse, Legal Heirs & Estate

Protection may extend to the spouse, legal heirs or estate of an insured person when pursued solely because of that person’s alleged wrongful act, including claims involving jointly held assets.

What's Not Covered Under D&O Insurance:

Fraud, Criminal Acts, or Intentional Wrongdoing

Claims arising from fraudulent, criminal or intentionally wrongful acts by directors and officers.

Personal Profits or Illegal Gains

Claims related to directors or officers gaining personal profits, remuneration or other financial benefits to which they were not otherwise legally entitled.

Bodily Injury, Property Damage or Workplace Accidents

Losses revolving around third-party bodily injury or property damage, or employees being injured in workplace incidents.

Why Prioritise D&O Insurance?

Investor confidence

Having D&O insurance in place can support investor confidence and be viewed positively during fundraising and investor due diligence by demonstrating stronger corporate governance and risk management.

Greater regulatory enforcement

Increasing enforcement by regulatory, statutory and industry authorities can expose directors and senior leaders to personal investigations, proceedings and legal costs.

Greater regulatory enforcement

Increasing enforcement by regulatory, statutory and industry authorities can expose directors and senior leaders to personal investigations, proceedings and legal costs.

Protection of Personal Assets

Helps protect the personal assets of directors, officers and other insured leaders when claims are brought against them individually for decisions made on behalf of the company

Investor confidence

Having D&O insurance in place can support investor confidence and be viewed positively during fundraising and investor due diligence by demonstrating stronger corporate governance and risk management.

Global litigation exposure

Businesses operating internationally may face claims against individual leaders in jurisdictions with higher litigation exposure, making D&O protection especially important.

Protection of Personal Assets

Helps protect the personal assets of directors, officers and other insured leaders when claims are brought against them individually for decisions made on behalf of the company

Global litigation exposure

Businesses operating internationally may face claims against individual leaders in jurisdictions with higher litigation exposure, making D&O protection especially important.

Frequently Asked Questions

Who does D&O insurance actually protect — our company or
leaders personally?
It specifically shields the personal assets of your founders, directors, and CXOs. While standard corporate policies protect the company's balance sheet, D&O protects personal bank accounts, homes, or assets in case of claims from regulators, investors, or third parties over leadership decisions gone wrong.
At what stage should our business buy D&O insurance?
Businesses should consider D&O insurance from the time they are incorporated, particularly once founders and directors begin making decisions that affect shareholders, employees, investors, or other stakeholders. Having cover in place early can also help during fundraising and investor due diligence.
What kinds of claims are covered, and what is excluded?
It covers legal defense costs and financial settlements for managerial errors, shareholder disputes, regulatory inquiries (such as SEBI or MCA notices), and breach of fiduciary duties. It strictly excludes deliberate fraud, intentional illegal acts, and personal enrichment schemes.
Why are General Liability and Errors & Omissions policies not enough for our board?
D&O insurance is designed for claims made personally against directors, officers, and other insured employees arising from management decisions or alleged wrongful acts committed on behalf of the company.
General Liability and Errors & Omissions policies primarily respond to claims against the company arising from bodily injury, property damage, or professional services.