Commercial D&O & Crime insurance

Commercial Directors' & Officers' & Crime

Directors’ & Officers’ Insurance (D&O) covers legal costs and damages incurred by employees in management roles as a result of allegations of misconduct.

At DUAL, we believe we provide market-leading D&O insurance to directors, managers, and supervisory boards around the world. Utilising our broad range of Financial Lines products, we offer comprehensive D&O solutions.

Who we work with

We believe DUAL has a leading presence in markets including Europe, South America, Asia, and the Middle East. As one of Lloyd’s largest cover holders, we can place risks directly on the Lloyd’s syndicate licence where required.

Our insureds include:

Energy companies across all sectors (renewables, oil & gas, utilities)
Mining companies
Sport associations and clubs
Software and tech companies
Companies in all transport sectors including aviation.
Distribution / retail
Chemical and pharmaceutical (including biotech).
Construction and real estate
Not for Profit

We also write D&O for Financial Institutions but for that please go to our Financial Institutions page.

Our products

At DUAL, we design solutions that can be tailored to your needs. Some of the standard building blocks of a D&O policy include:

Side A, B, C cover
Emergency costs
Side A difference-In-conditions
Mitigation costs
Official investigation costs
Non-executive directors additional limit of liability

Typical additional coverages

You may need additional coverages beyond what a typical D&O policy has to offer. Typical additional coverages include:

Run off cover
Public relations cover
Interpretive counsel
Retirement cover

Extra protection

If you need more protection, you can access a variety of solutions through our Financial Lines team, including:

Commercial Employment Practice Liability
Pension Trustee Liability
Public Offering Securities Insurance (POSI)
Commercial Crime

Why choose DUAL?

Quality claims handling

Our claims are handled in partnership with the international law firm Kennedy's. Every claim has its own designated claims handler from start to finish, helping to ensure a swift resolution.

Flexible underwriting

We take a flexible and collaborative approach to underwriting. Taking each risk on its own terms, we work hard to find a solution that suits your client’s needs