Directors & Officers Liability Insurance
Running a company involves making difficult decisions every day. Whether it’s about finances, strategy, compliance, or employment matters, those choices carry risk. D&O Liability Insurance protects individual directors, officers, and senior managers from personal liability when claims are made against them for decisions made in good faith during the course of managing the company.
At Expat Insurance Hong Kong, we help both local and international firms protect their leadership teams. This coverage ensures that one lawsuit — even if unfounded — won’t threaten a director’s personal savings, property, or reputation. We tailor plans to meet your industry, company structure, and exposure level, keeping your executives secure and your business resilient.
Why Work With Expat Insurance?
Confidence. Protection. Integrity.
Choosing D&O coverage isn’t just about fulfilling a corporate requirement — it’s about securing trust at the highest level of your organization. Our advisors provide clear, strategic guidance tailored to your leadership and business structure.
We start with your risks.
We review your board structure, jurisdiction, and exposure to litigation.
We assess your coverage needs.
We compare top-tier insurers offering management liability solutions.
We negotiate on your behalf.
We obtain better premiums, stronger clauses, and broader definitions of insured persons.
We stay with you.
We support your renewals, claims, and compliance updates year after year.
Why Choose Directors & Officers Liability Insurance?
Even the most capable leaders can face allegations from shareholders, regulators, or employees. A D&O policy ensures that legal defense, settlements, and court costs are covered — allowing your management team to make confident, responsible decisions without fear of personal financial ruin.
What Does Directors & Officers Liability Insurance Include?
- Legal defense costs for directors, officers, and executives
- Coverage for lawsuits related to alleged mismanagement, negligence
- Employment practice liability for wrongful termination or discrimination claims
- Regulatory investigation expenses and representation costs
- Protection for company assets when indemnity cannot legally be provided
- Extended worldwide coverage for multinational operations
Whether you are a startup with a new board or an established multinational firm, D&O Liability Insurance ensures that your leadership is free to act decisively — without worrying that one claim could jeopardize their future.
Common Gaps We Help You Avoid
Personal asset exposure: Without D&O coverage, directors can be personally liable for company claims. We make sure executives’ assets and savings are protected from lawsuits.
Employment-related claims: Disputes with staff are a common source of litigation. We ensure employment practice liability is built into your policy.
Inadequate global coverage: Businesses with overseas entities often face cross-border claims. We secure worldwide protection that travels with your leadership team.
Regulatory investigations: Many policies exclude investigation expenses. We include full coverage for inquiries and compliance reviews under Hong Kong law.
With Expat Insurance, your leaders can focus on making the right decisions — knowing their personal and professional interests are fully protected by experts who understand corporate risk.
Need Help? Contact Us Today.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
Not rare exceptions, but daily realities in Hong Kong—where one accident or hospital stay can turn into a financial crisis overnight. Protection versus exposure often hinges on the policy you hold.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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