Complete Directors & Officers
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1 Allianz Insurance plc Complete Directors & Officers Introduction For Intermediary Use Only
2 What is Directors & Officers insurance? Directors & Officers insurance offers personal liability cover for company directors, officers and managers to protect them from claims that may arise from the decisions and actions taken within the scope of their regular duties. It covers the personal liability of company directors and officers as individuals, but also the reimbursement of the insured company in case it has to pay the claims of a third party on behalf of the directors. 2
3 The Companies Act 2006 and the Health and Safety at Work Act 1974 place an increased obligation for directors to make sensible decisions which safeguard the business and its employees. Why Directors & Officers insurance? When a company fails to provide an adequate duty of care, customers, shareholders, employees, creditors and various other stakeholders all have the ability to seek compensation not only from the company, but from the individual directors as well. When directors are accused of breaching their duties, the allegations may or may not be justified, however, the costs of defending an action or indeed the cost of any award made, can have severe implications for the individual director or organisation. The financial implications of a lawsuit can be devastating for businesses, irrespective of their size and trade. Directors & Officers insurance gives your clients the peace of mind needed to make difficult and complex business decisions without fear of repercussion, safe in the knowledge that they are protected by one of the most trusted insurance providers in the UK. 3
4 Introducing Complete Directors & Officers on QuoteSME Our Complete Directors & Officers is a management liability insurance product specifically designed to cover a wide range of businesses with a turnover of up to 200m, excluding charities, partnerships and PLCs. This document outlines the covers available, policy benefits and our risk appetite. For full terms, conditions and exclusions please refer to the Complete Directors & Officers Policy Wording. You can combine Directors & Officers with other optional management liability covers through our award-winning online e-trading proposition, QuoteSME which is supported by a dedicated underwriting team. Core Cover Complete Directors & Officers offers your clients the following key features as standard: 4 Directors & Officers and Company Reimbursement for civil or criminal proceedings relating to a wrongful act brought directly against its directors. Cover up to 10,000,000 on an any one claim basis Non-Executive Director cover up to 250,000 Company Entity Liability, protecting the company from claims brought against it, up to 1,000,000 in the aggregate Reputational and Post Reputational Crisis Costs (PR spend) up to 10,000 per circumstance, or 10,000 per Insured Person, where more than one Insured Person is named in the claim or circumstance Crisis Communication Consultant briefing session available at no additional charge Cover for Wrongful Acts committed after any management buy-out for a period of 45 days Circumstance Investigation Costs up to 25,000 in the aggregate Insolvency Hearing Costs up to 25,000 in the aggregate Assets and Liberty Costs covers any legal proceeding brought by any governmental, regulatory and judicial agency up to 25,000 in the aggregate Court Attendance Costs up to 10,000 in the aggregate. Case example: Directors & Officers The directors of a manufacturing company employed a waste disposal contractor to dispose of old oil. Contrary to the manufacturer s expectations, the contractor dumped the oil in a field and then became untraceable. The Environment Agency brought criminal proceedings against the manufacturer s directors and considerable defence costs were incurred to achieve their acquittal.* *These case examples are for illustrative purposes only and are not Allianz policyholders.
5 Optional Covers Your clients also have the option to add the following cover modules: Commercial Crime covers any losses following employee theft and third party fraud, together with cover for your client s legal liability to their customer where their employee has stolen from that customer. Key features of the cover include: - Financial Loss and/or Property Loss up to 10,000,000 in the aggregate - Additional Costs such as rental fees for temporary replacement of equipment or costs for additional workforce, up to 100,000 each and every loss - Contractual Penalties up to 100,000 each and every loss - IT Criminal Acts up to 100,000, cover for financial loss suffered as a direct result from any IT Criminal Act committed by an employee. Company Entity Employment Practice Liability covering the defence costs and damages resulting from claims for wrongful employment practices brought by past, present or prospective employees against an organisation. - Cover provided up to 100,000 in the aggregate. Case example: Commercial Crime A senior employee of a UK manufacturer, with over 30 years of service, was considered highly trusted. This employee was responsible for ordering all stock within a required budget; however, this was not monitored by his managers. The employee stole 70,000 of stock over a six month period. * Case example: Employment Practice A senior editor in a publishing business was made redundant due to the business financial difficulties. The tribunal found that he had been unfairly dismissed, because the employer had failed to consider whether a subordinate employee should have been made redundant instead with the editor then being offered the subordinate s role. * Pension Trustee Liability designed to cover the personal liabilities of Pension Trustees of a company s pension plan for claims brought by beneficiaries, regulatory authorities or other parties. Key features of the cover include: - Cover for any Financial Loss suffered by Employer, Plan and Corporate Trustee Company up to 10,000,000 - Additional Cover up to 100,000 for any Member Nominated Trustee of a plan - Reputational and Post Reputational Crisis Costs (PR spend) up to 10,000 per circumstance, or 10,000 per Insured Person, where more than one Insured Person is named in the claim or circumstance - Crisis Communication Consultant briefing session available at no additional charge. Case example: Pension Trustee Liability A newly acquired subsidiary came into financial difficulties so the directors and scheme trustees of a private company borrowed funds from the pension scheme to help the subsidiary out. The loan was repaid in the form of shares in other group companies. The value of these shares subsequently plummeted and the scheme beneficiaries were sued for fraud, maladministration and a 3,000,000 shortfall. * 5
6 Benefits of Complete Directors & Officers cover It defends the director personally and is based on the premise that they are innocent until proven guilty In the event of a claim, it helps to prevent serious disruption to management time, so that your client can continue to focus upon running their business It provides protection against potential loss of personal assets including home and personal possessions It provides protection for corporate assets against the costs of legal proceedings It provides access to lawyers specialising in corporate issues and the framework for a focused strategy for dealing with lawsuits against the directors especially the frivolous If the company goes into bankruptcy, administration or liquidation the cover continues to the normal expiry date to provide valuable cover at a time when it is most needed. 6
7 Our Risk Appetite Our Complete Directors & Officers product has a broad risk acceptance. All major trade sectors can be covered including: Agriculture Construction Domestic Services Education Food and Beverage Health Services Manufacturing Professional Services (excluding Financial Services) Recreational and Entertainment Technology Services Transportation Wholesale and Retail We do not look to write: Accounting firms Insurance Industry Financial Advisers Financial Services USA exposure companies that generate significant turnover/income from the USA A Well Managed Risk We recognise that every customer is different but in terms of a good risk profile customers should have: a well established and experienced management team a sound financial record with good cash flow a robust and tested governance policy in place documented HR procedures no previous or planned sizable redundancy plans clear accountancy responsibilities, authorities and audit trails no planned or recent pension fund benefit changes 7
8 Next Steps Complete Directors & Officers further enhances our suite of commercial products available to you via our full-cycle e-trading solution QuoteSME helping you to deliver an even better and more efficient service to your clients. Get a quote today! Registering on QuoteSME couldn t be easier: 1. Visit and click register on the home page. 2. Complete the simple registration process. You ll need to provide your Allianz Commercial account number and the corresponding office postcode, along with a current policy number and corresponding renewal date (for security and validation purposes). 3. Once registered, you ll receive an with your new personal QuoteSME access details. Our simple quote process: 1. Select Complete Directors & Officers from the lefthand navigation 2. Add your client s details 3. Fill in five short question sets 4. Get your quote! Should you prefer to speak to a member of our team to obtain a quote or would like further information on our Complete Directors & Officers product, you can contact our Small Business Team: Tel: sbt@allianz.co.uk For technical queries, our help desk can be contacted on: Tel: quotesmesupport@allianz.co.uk 8
9 Making a Claim Complete Directors & Officers claims are handled by a dedicated team of financial lines experts with many years of knowledge and experience in dealing with management liability claims. The majority of our financial lines claims experts are lawyers, and in the event of a claim we can also call upon some of the legal industry s leading firms to support your clients. Allianz understands that fast service and efficient claims handling is essential to help give your clients peace of mind so they can continue to focus on their business. To notify us of a claim simply call us and your dedicated handler will help and guide you through the process: Tel: and select option 4 Our claims helpline is available 9am to 5pm Monday to Friday Here to help For more information please contact our Small Business Team on: Tel: Alternatively, please contact your local branch or visit our ebroker website for further details. 9
10 Why Allianz Expertise you can trust We are one of the largest general insurers in the UK and part of the Allianz Group, the largest property and casualty insurer in the world. We are financially strong, with an AA- Standard & Poor s rating. With over 100 years of experience, we re confident we know our business and have the technical expertise to ensure your clients get the cover they need and a claims service that s committed to getting them back in business as quickly as possible. If you would like to know more about our Complete Directors & Officers contact your local Allianz Commercial representative. GENERAL INSURER OF THE DECADE 10
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12 allianz.co.uk Allianz Insurance plc. Registered in England number Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom. Allianz Insurance plc is a member of the Association of British Insurers. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number ACOM6093_
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