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Directors & Officers Liability
Legal liability of directors and officers for wrongful acts committed in their managerial capacity.
Solutions > Directors and Officers Liability
Protect Your Leaders & Personal Liability for Management Decisions
Directors & Officers (D&O) Liability indemnifies directors and officers (and the company where legally permitted to indemnify them) against claims for wrongful acts committed in their capacity as directors and officers. It is written in two
Personal Liability Cover
Protects leaders' personal assets (Section A)
Company Reimbursement
Covers the company's indemnification obligations (Section B)
What is D&O Liability?
Directors & Officers (D&O) Liability indemnifies directors and officers (and the company where legally permitted to indemnify them) against claims for wrongful acts committed in their capacity as directors and officers. It is written in two sections: Section A indemnifies the individuals for wrongful acts where the company cannot reimburse them; Section B covers the company for reimbursements it is required or permitted by law to make to its directors and officers.
Highlights
- Indemnifies directors and officers against claims for wrongful acts in their managerial capacity.
- Section A covers individuals where the company cannot reimburse them.
- Section B covers the company where it is required or permitted to reimburse its directors.
- Defence costs included — vital for attracting and retaining quality leaders.
What is Covered and Not Covered Under Directors and Officers Liability?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Section A — Individual Cover
Indemnifies directors and officers where the company cannot reimburse them for wrongful acts.
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Section B — Company Reimbursement
Covers the company where it is required or permitted by law to reimburse its directors and officers.
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Defence Costs
Legal defence costs and expenses, with the insurer's consent, within the limit of indemnity.
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Wrongful Acts
Claims for wrongful acts of omission or commission committed in managing the company.
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Senior Management
Covers directors, officers and equivalent senior managers of the company.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Companies and their directors and officers (and equivalent senior managers).
Documents
Completed proposal form with company details, financial statements and claims history.
Cover Scope
Wrongful acts of omission or commission committed in managing the company.
Rating Basis
Company size, sector, financials, governance, claims history and limit of indemnity.
How to Buy APA D&O Liability?
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Complete the D&O proposal form with company details and financial statements.
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Declare your governance information, claims history and required limit of indemnity.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your policy protecting your leaders and your company's balance sheet.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Claims against directors and officers for wrongful acts committed in their managerial capacity, plus the company's reimbursement of its directors and officers where legally permitted.
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“The easiest way to manage my cover.”
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APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
