Directors and Officers Insurance, commonly called D&O Insurance, focuses primarily on certain claims made against directors and officers arising from alleged wrongful acts in managing an organisation.

Depending on the policy, this can include defence costs and certain insured liabilities.

How is Management Liability different? #

Management Liability is commonly structured as a broader package for private companies and other organisations.

It can combine D&O-type protection with sections such as:

• Company or Entity Liability
• Employment Practices Liability
• Statutory Liability
• Crime or Employee Dishonesty
• Tax Audit cover

Standalone D&O Insurance can also be arranged, particularly where the organisation has different or more complex management exposures.

The terminology and structure vary between insurers, so the policy schedule and wording should be reviewed rather than relying on the product name alone.