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Directors and their companies nowadays face the significant risk of civil or criminal action, arising from an environment of increased legislation, “no win no fee schemes”, regulatory requirements, and tougher punishment for non compliance. This exposure to risk is addressed by our Management & Corporate Liability cover that is far reaching and includes broad definitions of wrongful act, loss and claim..

Our online product offers cover for both the company and its directors, and will cater for private limited companies with up to £500 million turnover and/or assets.

Product Highlights

  • Swift access to quote, amend and bind
  • Focus on a rapid referral response time
  • Access to one of the most experienced D&O underwriting teams in the UK
  • Quick response to all queries


  • Full Elite Plus SME D&O policy wording
  • Flexible limits from £100,000 up to £10 million
  • Private limited companies with up to £500 million turnover and/or assets.

Legal Assistance Service
We recognise that it is increasingly difficult for employers to stay abreast of the employment responsibilities imposed on them by law. To help insured businesses, Chubb has partnered with national law firm Gateley, to offer legal assistance services relating to employment practices or the duties and responsibilities of directors and officers.Fuller details of the assistance services can be found at but include:

  • Access to free* legal advice line
  • Discounted rates for contract and policy reviews
  • Discounted rates for bespoke training
  • Complimentary membership to HR Club
  • Complimentary monthly legal newsletters
  • Discounted 'Witness for a day' DVD

* Subject to terms and conditions. Calls from mobiles will be charged at the caller's standard rate.

Case Studies
To help you talk to your clients about the need for and benefits of D&O cover, here are some real examples of incidents from recent years:

Allegations of fraud
A company claimed up to £130m over the acquisition of a construction business, alleging that the financial position of the construction business had been fraudulently misrepresented by the directors prior to its sale. Defendants with Chubb D&O may have been in a position to have claimed recovery of the defence costs involved in the proceedings.

Health & safety infringements
A construction company director was fined for safety breaches after an employee was killed in a site accident on the company premises. The director pleaded guilty to failing to ensure the safety of a person working for him and was fined £12,500.Although the fine would not have been covered, the cost to defend the director may have been.

International prosecution
Three UK executives appeared in court charged with operating a worldwide price-fixing cartel. The three, who were arrested in the US, appeared at the City of London Magistrates’ Court. Defendants with Chubb D&O cover may have been in a position to have claimed recovery of the defence costs involved in the proceedings. The examples of claims or situations on this site do not imply that similar circumstances would constitute a valid claim. Each claim is reviewed individually in accordance with the specific policy wording.