Directors' & Officers' Insurance in Brighton
Most SME directors don't realise that limited company status doesn't protect them personally. HMRC personal liability notices, wrongful trading allegations, HSE prosecutions and employment tribunal claims can all reach through the corporate veil to directors' personal assets. D&O insurance is structured around three distinct insuring clauses—Side A protecting directors when the company can't indemnify them is critically important during financial distress, which is precisely when claims peak. We help Brighton business owners understand these structures and arrange cover that protects them personally, not just the company.
Key points
- Company directors and board members
- Non-executive directors
- Charity trustees
- School governors
- Officers of professional bodies
- Partners in LLPs
Frequently asked questions
- Why do directors need personal liability insurance?
- Directors can be held personally liable for management decisions, even if acting in good faith. D&O insurance protects personal assets against claims from shareholders, employees, regulators, and creditors.
- Does D&O insurance cover employment tribunal claims?
- Yes. Most D&O policies include employment practices liability, which covers claims from employees including unfair dismissal, discrimination, and harassment allegations against directors personally.
- Do charity trustees need D&O insurance?
- Yes. Charity trustees face similar personal liabilities to company directors. D&O insurance protects their personal assets against claims arising from governance decisions and regulatory actions.
This page is part of https://becks.insure/directors-officers-insurance-brighton. Becks Insurance Brokers is an independent, FCA-regulated commercial insurance broker based in Brighton, advising businesses across Sussex and the UK.