Directors' and Officers' insurance coverage – How well do you understand your cover?

The following results highlights gaps in how companies understand their D&O insurance coverage.

Senior leaders remain uncertain about their indemnification policies, coverage priorities, and purchasing decisions.

Indemnification

Q: To what extent does your organisation agree to indemnify its directors and officers?

Results for 2025 are consistent with 2024.

Priorities for Directors' and Officers' liability insurance coverage - by region

Q: How important are the following aspects of Directors' and Officers' liability insurance coverage to you?

Note: Ranked based on ‘very important’ or ‘extremely important’ for each insurance coverage area.

Priorities for Directors' and Officers' liability insurance coverage - by industry

Q. How important are the following aspects of Directors' and Officers' liability insurance coverage to you?

Note: Ranked based on ‘very important’ or ‘extremely important’ for each insurance coverage area.

What limit does your organisation buy for Directors' and Officers' insurance?

It continues to be the case that a fairly significant proportion of directors, officers and risk managers don't know what limits are being purchased for their D&O insurance - however, the proportions are down on 2024 when they ranged between 22-29%.

Note: Percentages may not add up due to rounding.

Factors affecting amount of D&O insurance an organisation chooses to buy

Even with a soft D&O insurance market, cost continues to be the main driver for how much D&O insurance companies buy.

Captives and alternative risk transfer solutions

14% of respondents are considering captive options despite the significant price drops the D&O insurance market has seen over the last few years.

Angus Duncan
Global D&O Coverage Specialist
(ex NA)

Note: Percentages may not add up due to rounding.