Directors Liability Insurance

Protects company directors and officers from legal claims resulting from their actions or decisions.

Directors Liability

Director's Liability

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Directors Liability Insurance

Directors Liability Insurance, also known as Directors and Officers (D&O) Liability Insurance, is designed to protect directors and officers of a company from legal claims made against them about their actions or decisions made while acting in their official capacity.

Directors and officers of a company have certain legal responsibilities and duties to act in the best interests of the company and its shareholders. If a director or officer is alleged to have breached these duties, they can be held personally liable for any resulting losses or damages. D&O insurance provides coverage for legal costs and damages that may arise from such claims, including claims related to:

  • Breach of fiduciary duty
  • Negligence or errors in judgement
  • Breach of employment practices
  • Mismanagement of funds
  • Misrepresentation of company assets or financial performance

The policy covers the costs of legal defence and settlement or judgment payments, up to the policy limit. The coverage is typically available to directors, officers, and the company itself, and may also extend to other employees or agents of the company in certain circumstances.

Directors Liability Insurance

Common Directors Liability Insurance risk scenarios

Here are some common D&O risk scenarios that companies and their directors and officers may face:

  • Fraud
  • Intentional criminal acts
  • Illegal remuneration or personal profit
  • Claims made under a previous policy
  • Uninsurable fines and penalties 
  • Property damage and pollution exclusions
  • Employment practices liability exclusions
  • Companies which are not aware of any circumstances that could give rise to a claim
  • Companies which are not aware of any past claims against the directors or officers within the last 5 years
  • Companies with total gross annual revenues of up to Kshs. 500 million
  • Companies which have been in continuous operation for at least three years
  • Companies (and their subsidiaries) which are not listed on any stock exchange
  • Companies which are physically located in Kenya (but the company might be operating abroad)
Directors Liability Insurance

How to apply

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Mon-Fri 08.00am-6.00pm;
Sat 9.00am-5.00pm.

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Visit us at Eco Bank Towers, 10th Flr, Opp. 680 hotel.

Directors Liability

Director's Liability

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Directors Liability

Director's Liability

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Head Office

Eco Bank Towers, 10th Flr,
Opp. 680 Hotel
Address:
103683-00101, Nairobi – Kenya.
Tel: 0794 589 905