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Directors & Officers Insurance

Directors and officers liability insurance, employment practices insurance and fidelity insurance from Metcalfe Insurance Brokers.

Why do you need Directors and Officers Liability Insurance?

Here are just a few areas where claims could be made against you:

  • Health & Safety at work act
  • Data Protection Act
  • Companies Act (over 200 possible offences)
  • Racial and Sexual Discrimination Act
  • Insolvency Act (wrongful trading)
  • E.E.C. Directives and Regulations
  • Consumer Protection
  • .. and some misconceptions:

    • Directors have limited liability - NO THEY DO NOT!
    • I don't have a title director, so I can't be held liable - YES YOU CAN !
    • The company can indemnify us - NOT IF IT GOES BUST!
    • We are only a small company - THE SAME LAWS APPLY!
    • They cannot touch my personal assets - YES THEY CAN !

    Any director or officers looking after a company should not act outside their own authority, or commit the company to transactions or agreements that are outside the law or outside their own company's memorandum or articles of association, and to avoid placing themselves in a position where their personal interest conflicts with those of the company.

    Anyone with a particular skill or qualification must exhibit a greater duty of skill than those without. e.g. director, officer.

    Insurance and the law - The law now permits directors to be able to protect and insure themselves against any liability for negligence, default, breach of duty, and breach of trust arising from their position as director, this can include insurance to defend criminal proceedings, that may be brought against a director or officer of a company.

    Enquire & we'll call you back

    Use the enquiry form on this page and we'll call you back at your convenience during office hours (be sure to leave a number we can contact you on).

    If you prefer to phone, during office hours you can call us on 0161 480 0170 to get answers directly from one of our specialists.

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