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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
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.
Download our appetite sheets
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.
Independent arbitration
We use independent arbitration wherever possible for quick, quiet settlements.
Crisis media management
Our insureds are connected to crisis communication specialists who help to protect their reputations in the media.
Efficient service
We have a simple underwriting process that aims to get your client the cover they need, fast.
Meet the underwriters
The DUAL D&O team is vastly experienced in handling a wide range of commercial D&O risks.
