Directors & Officers Liability Insurance
Our goal is to protect your company leaders from personal financial loss if they are held liable for management decisions. Directors & Officers (D&O) Liability Insurance shields executives from lawsuits arising from alleged errors, negligence, or breaches of duty committed in their managerial capacity.
About Directors & Officers Liability Insurance
Protection for the People Who Lead Your Business
Running a company involves making difficult decisions every day. Whether it’s about finances, strategy, compliance, or employment matters, those choices carry risk. D&O Liability Insurance protects individual directors, officers, and senior managers from personal liability when claims are made against them for decisions made in good faith during the course of managing the company.
At Expat Insurance Hong Kong, we help both local and international firms protect their leadership teams. This coverage ensures that one lawsuit — even if unfounded — won’t threaten a director’s personal savings, property, or reputation. We tailor plans to meet your industry, company structure, and exposure level, keeping your executives secure and your business resilient.
Why Choose Directors & Officers Liability Insurance?
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 your management team to make confident, responsible decisions without fear of personal financial ruin.
What Does Directors & Officers Liability Insurance Include?
- Legal defense costs for directors, officers, and executives
- Coverage for lawsuits related to alleged mismanagement, negligence
- 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
Whether you are a startup with a new board or an established multinational firm, D&O Liability Insurance ensures that your leadership is free to act decisively — without worrying that one claim could jeopardize their future.
Our role doesn’t stop at sourcing the policy. We assist your HR and legal teams with compliance, help interpret the fine print, and manage claims swiftly to minimize disruption. When issues arise, we step in as your advocate — ensuring insurers respond quickly and fairly.
Why Work With Expat Insurance?
Confidence. Protection. Integrity.
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.
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.
Stay with you long-term
Each year, we review your policy and help with claims.
Common Gaps We Help You Avoid
Personal asset exposure: Without D&O coverage, directors can be personally liable for company claims. We make sure executives’ assets and savings are protected from lawsuits.
Employment-related claims: Disputes with staff are a common source of litigation. We ensure employment practice liability is built into your policy.
Inadequate global coverage: Businesses with overseas entities often face cross-border claims. We secure worldwide protection that travels with your leadership team.
Regulatory investigations: Many policies exclude investigation expenses. We include full coverage for inquiries and compliance reviews under Hong Kong law.
With Expat Insurance, your leaders can focus on making the right decisions — knowing their personal and professional interests are fully protected by experts who understand corporate risk.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
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.
These aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
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!
Blog & News Update
How I Negotiated Zero Premium Increase for a Client with an Ageing Workforce
Last quarter, I sat across from an insurer who wanted to raise premiums by 8%…
Avoiding the Problem of Group Insurance Gaps
I've watched HR teams discover their group insurance gaps in real time.An employee needs surgery.…
Why Drone Insurance Breaks Every Aviation Rule
Traditional aviation insurance makes one fundamental assumption: the pilot can see what they're flying.Direct line…
Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
