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Protecting leadership and the corporate balance sheet

D&O

D&O protection for directors, officers and the company against management liability claims and investigations.
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Protecting leadership and the corporate balance sheet

Management decisions can be challenged by shareholders, regulators, employees, creditors and counterparties. Kompetenz structures D&O protection around who may be named, which entity costs can arise and how investigations are handled.

Practical focus

Side A protects individuals when the company cannot indemnify them. Side B reimburses the company when it indemnifies directors or officers. Entity protection can respond to defined claims against the company, subject to wording and allocation provisions.

What the programme should address

Side A

Personal asset protection when corporate indemnification is unavailable.

Side B

Balance-sheet reimbursement for permitted indemnification.

Entity cover

Defined company claims and allocation between insured parties.

Investigations

Representation and response costs for covered regulatory matters.

Transactions

Run-off, change in control and continuity for past decisions.

Kompetenz priority map

How Kompetenz structures the solution

01

Map governance

Review ownership, board structure, subsidiaries and territories.

02

Identify claims

Test shareholder, regulator, employment and creditor scenarios.

03

Compare wording

Assess exclusions, conduct provisions, allocation and advancement.

04

Secure continuity

Coordinate local policies, run-off and claims notification.

Questions to resolve before placement

  • Are all subsidiaries and appointed directors included?
  • When are defence costs advanced?
  • How do conduct exclusions and severability operate?
  • What happens to cover after a transaction or insolvency?

Build a decision-ready insurance brief

Kompetenz Insurance Broker can review the exposure, test programme assumptions, negotiate wording and limits, and establish a practical claims route before the policy is placed.

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