Directors & Officers Liability Insurance
Protecting company executives and senior management, if sued for decisions made in their managerial role, even if unfounded.
The policy comprehensively covers defense costs, settlements, and liabilities arising from management actions.
Who Needs Directors & Officers Insurance?
Directors & Officers (D&O) Liability Insurance is essential for any company with directors, shareholders, investors, or senior decision-makers — because leadership decisions can trigger claims even when made responsibly and in good faith. Running a company involves …
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making difficult decisions. Whether it’s about finances, strategy, compliance, or employment matters, those choices carry risks.
D&O Liability Insurance protects individual directors, officers, and senior managers from personal liability when claims are made against them during the course of managing the company.
Even the most capable leaders can face allegations from shareholders, regulators, or employees.
A D&O policy ensures that legal defense, settlements, and court costs are covered — allowing management to make confident, responsible decisions without fear of personal financial ruin.
It’s especially important for SMEs, startups raising capital, family -run businesses, regulated industries, and multinational firms. If your company signs contracts, handles client money, or operates under compliance requirements, your directors and officers face personal exposure — and D&O is designed to protect them.
Possible Pitfalls We Help You Avoid
One of the biggest D&O risks is assuming the company itself will “cover everything.” In reality, directors can still face personal liability — and legal defence costs can escalate quickly, even if the claim is unfounded. Without proper D&O, personal assets and savings can be at risk.
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Another common issue is incomplete cover. Many policies look similar but differ in definitions, exclusions, and scope — particularly around employment-related claims, shareholder disputes, regulatory investigations, and cross-border actions. These are exactly the situations where directors are most vulnerable.
We also help businesses avoid underinsuring. Low limits may be exhausted by legal fees alone, leaving directors exposed for settlements or ongoing defence. Our job is to structure cover that matches the true litigation risk of your business and leadership team.
Why Work With Expat Insurance?
D&O is not a “standard” policy — it’s a leadership protection strategy. The wording matters: definitions of insured persons, claims triggers, investigation costs, and worldwide jurisdiction coverage can dramatically change whether a policy responds.
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At Expat Insurance Hong Kong, we assess your company structure, board composition, shareholder profile, regulatory exposure, and overseas operations. We then compare insurers, negotiate stronger wording, and secure appropriate limits — ensuring your leadership team is protected properly, not just “on paper.” We also support renewals and claims long-term.
What Does Typical Cover Include?
What Does Directors & Officers Liability Insurance
Include?
Whether you are a startup with a new board or an established multinational firm, D&O Liability Insurance ensures that management is free to act decisively — without worrying that a claim could …
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jeopardise their future.
· Legal defense costs for directors, officers, and executives
· Coverage for lawsuits related to alleged mismanagement, negligence by any director or management
· Employment practice liability for wrongful termination or discrimination claims
· Regulatory investigation expenses and representation costs
· Protection for company assets when indemnity cannot legally be provided
· Extended worldwide coverage for multinational operations
Done correctly, D&O protects the people responsible for running the business — so they can lead decisively, manage risk confidently, and safeguard both personal and corporate stability.
Let's Get Your Insurance Done Right
Choosing D&O coverage isn’t just about fulfilling a corporate requirement — it’s about securing trust at the highest level of your organization. Our advisors provide clear, strategic guidance tailored to your leadership and business structure.
We start with your risks.
We review your board structure, jurisdiction, and exposure to litigation.
We assess your coverage needs.
We compare top-tier insurers offering management liability solutions.
We negotiate on your behalf.
We obtain better premiums, stronger clauses, and broader definitions of insured persons.
We stay with you.
We support your renewals, claims, and compliance updates year after year.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
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Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Not rare exceptions, but daily realities in Hong Kong—where one accident or hospital stay can turn into a financial crisis overnight. Protection versus exposure often hinges on the policy you hold.
