Your Decisions Are Bold.
So is Our Protection.
Running a company is bold. Your signature drives growth but also attracts scrutiny. We believe leaders shouldn't just protect their company—they should protect themselves. D&O liability insurance, reimagined for the new era, so you can make fearless decisions, knowing we have your back.
What is D&O Liability Insurance?
Because when you're making billion-rupee decisions, you shouldn't risk your home to defend them.
Your Personal Legal Safety Net
D&O protects decision-makers like CEOs, CFOs, Board Directors, and key executives against personal financial loss from claims, lawsuits, and regulatory investigations arising from their business decisions.
Key Coverage Areas
- Regulatory violations (SEBI, RBI, MCA)
- Shareholder and investor lawsuits
- Employment-related claims (wrongful termination)
- Breach of fiduciary duties
- Financial misrepresentation claims
Which Indian Business Leaders Need D&O Insurance?
If you're the one making the decisions, signing off on the strategies, or answering to investors—this is your shield.
CEOs & Founders
The ultimate decision-makers who face scrutiny from all angles.
CFOs & Financial Controllers
Protects against claims related to financial misreporting and regulatory compliance.
Board of Directors
Shields both executive and non-executive directors from personal liability.
What Puts You at Risk?
You don't need to be wrong to get sued. You just need to lead.
Shareholders & Investors
Missteps in leadership, missed targets, or governance issues can lead to lawsuits from those you serve.
Regulatory Bodies
Non-compliance with regulations from bodies like SEBI or RBI can trigger costly investigations against you personally.
Employees
Wrongful termination, harassment, or discrimination claims can expose you to personal liability.
Customers & Competitors
Allegations of unfair practices, IP disputes, or product failure can hold executives directly responsible.
Real D&O Incidents in India
They aren't hypotheticals. They're boardroom battles D&O helped win.
CEO & CFO of ABCTech Inc.
Faced a patent infringement suit and a shareholder class action.
- D&O Covered: Complete legal protection and settlement costs.
- Outcome: Company stabilized, and leadership was backed securely.
Board of IL&FS
A ₹91,000 Cr debt default led to director-level lawsuits.
- D&O Covered: Directors' legal expenses and compliance defense.
- Outcome: Directors were shielded from personal liability.
Why CEOs & CFOs Need an Insurance Broker, Not Just a Policy.
D&O Insurance is complex, but your decision to protect leadership shouldn't be.
Smart Guidance, Right From the Start
We decode the fine print and help tailor your policy to your specific risk, ensuring you have the right add-ons and coverage from day one.
Real Support, When It Matters Most
Our in-house claims team manages everything from paperwork to payout, so you can stay focused on leading your company during a crisis.
Transparent Premium Negotiation
We use our extensive market access to negotiate competitive premiums and strengthen crucial policy clauses, ensuring you get maximum value and robust protection.
Frequently Asked Questions
Your Leadership. Our Clarity. We know you have critical questions. Here are clear answers to ensure you have complete confidence in your D&O protection strategy.
D&O insurance protects the personal assets of your directors, officers, and other key decision-makers from claims alleging "wrongful acts" in their management capacity. You need it because today's regulatory environment, shareholder activism, and employee litigation can expose individual leaders to significant personal liability for their decisions.
Yes, if the policy includes a "run-off" or "extended reporting period" (ERP) cover. This is a critical add-on as liability for past actions can surface years after you've left the company.
Policies typically exclude coverage for *proven* fraudulent or criminal acts. However, they are designed to cover the enormous defense costs for such allegations until a final adjudication of guilt or dishonesty. This is a crucial distinction.
D&O covers financial losses from management decisions. General Liability covers physical harm (bodily injury, property damage). Professional Indemnity (E&O) covers errors in the professional services your company provides. They are distinct and complementary shields against different risks.
While your company intends to indemnify, it may be legally prohibited or financially unable (e.g., in bankruptcy) to do so. D&O policies, particularly "Side A" coverage, step in directly to protect individual assets when company indemnification is not possible, providing a critical safety net.
The optimal amount of coverage depends on several factors, including your company's size, industry, risk profile, and strategic plans. It's a complex decision that requires expert advice to get right, and that's precisely where Ethika can help.
Coverage typically extends to current, past, and future directors, officers (including CEO, CFO, COO), and sometimes non-executive and independent directors.
Ready to Lead Fearlessly?
Don't let liability fears hold back your boldest decisions. Get comprehensive protection tailored for your leadership style.