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Directors & Officers Liability Insurance

Protecting leadership decisions in a high-scrutiny environment

Directors & Officers Liability Insurance in India protects company directors, officers, and key managers against personal liability arising from management decisions. It responds to claims alleging wrongful acts such as misrepresentation, governance failures, or regulatory non-compliance, covering defence costs and settlements where permitted.
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Why a Directors & Officers Liability Insurance Matters

Boards and senior management operate under increasing scrutiny from regulators, investors, and stakeholders. Investigations by authorities, shareholder actions, ESG disclosures, and insolvency proceedings can lead to costly claims — even when no wrongdoing is proven.
D&O Insurance helps leaders defend their decisions and protects personal assets while the company navigates legal or regulatory challenges.

Key Benefits

Covers defence costs for management-related claims

Protects personal assets of directors and officers

Responds to shareholder and investor actions

Includes regulatory and investigation-related claims

Supports governance and fund-raising requirements

Add-on options available for enhanced Side A protection

What’s Typically Covered & What’s Not

  • Typically Covered
  • Shareholder actions
  • Regulatory investigations
  • Misrepresentation claims
  • Insolvency-related claims
  • Legal defence costs
  • Typically Not Covered
  • Fraud, dishonesty
  • Bodily injury
  • Property damage
  • Prior known disputes
  • Fines, penalties 

Who Should Consider Directors & Officers Liability Insurance

Directors & Officers Liability Insurance in India is critical for listed companies, IPO-bound firms, PE/VC-backed startups, and mid-to-large private companies. It is particularly relevant for organisations in finance, technology, ESG-exposed sectors, and businesses with external investors or complex governance structures.

Why Choose Avalani

As IRDAI-licensed insurance brokers in Gujarat, we put your business and needs first. You get customised coverage, verified valuations, claim assistance, and quotes from 20+ insurers for the best value.
Protecting What You’ve Built.
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FAQs

Who is covered under a Directors & Officers Liability Insurance policy?
Directors, officers, and senior management are typically named in the Directors & Officers Liability Insurance in India and globally.
Yes, subject to policy terms and applicable sub-limits.
Defence costs apply until final adjudication proves fraud.
Yes, especially with investors or external stakeholders.
Some management-related claims may apply; EPLI is separate.