Directors and officers insurance

Specialist cover for business leaders

Directors and Officers face increasing scrutiny and potential legal risks. Even the most well-intentioned decisions can lead to claims of negligence, mismanagement, or breach of duty.

Directors and Officers face increasing scrutiny and potential legal risks. Even the most well-intentioned decisions can lead to claims of negligence, mismanagement, or breach of duty.

Directors and Officers Insurance from Masbro ensures that your leadership team is protected from personal liability, allowing them to focus on steering your business to success.

Since 1989, Masbro has been Gibraltar’s trusted insurance partner, helping its businesses safeguard their leadership with tailored insurance solutions.

Why do I need Directors and Officers Insurance?

As a director or officer, your personal assets could be at risk if a claim is made against you for decisions or actions taken in your professional role.


Directors and Officers Insurance provides financial protection for legal costs, settlements, and compensation claims, ensuring your leadership team is secure and your business can continue operating smoothly.

Our Directors and Officers Insurance Solutions Cover:
  • Legal costs and expenses in defending claims of wrongful acts
  • Compensation payments for claims of mismanagement, breach of duty, or negligence
  • Protection for directors, officers, and senior management

What we offer

At Masbro, we understand that every organisation is different, and the challenges faced by directors and officers vary by industry and company size. That’s why we offer tailored Directors and Officers Insurance policies to meet your business's unique needs, ensuring your leadership team is covered no matter what.

Wrongful Acts
Covers claims for wrongful acts such as breach of duty, mismanagement, or negligence.
Employment Practices Liability
Protects against claims related to employment issues, including discrimination, wrongful dismissal, or harassment.
Regulatory Investigations
Provides coverage for legal costs arising from regulatory investigations or inquiries into the actions of your directors or officers.

Why Choose Masbro?

Trusted Expertise

With four decades of experience, Masbro is a reliable insurance broker in Gibraltar. Our knowledgeable advisors provide expert advice to help you select the best insurance options.

Customised Policies

We understand that no two organisations are the same, and our Directors and Officers Insurance policies are tailored to fit the specific risks faced by your directors and officers.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Trusted Expertise

With four decades of experience, Masbro is a reliable insurance broker in Gibraltar. Our knowledgeable advisors provide expert advice to help you select the best insurance options.

Customised Policies

We understand that no two organisations are the same, and our Directors and Officers Insurance policies are tailored to fit the specific risks faced by your directors and officers.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Commonly Solved Questions

What is Directors and Officers Insurance?

Directors and Officers Insurance provides financial protection for directors, officers, and senior management in the event of claims made against them for wrongful acts, mismanagement, or breach of duty in their professional roles. It covers legal fees, settlements, and compensation claims.

Who needs Directors and Officers Insurance?

Any organisation with a leadership team, including private companies, public companies, and non-profits, should consider Directors and Officers Insurance. It protects directors, officers, and senior management from personal liability arising from decisions made in their official capacity.

What does Directors and Officers Insurance cover?

Directors and Officers Insurance covers claims for wrongful acts, such as breach of duty, mismanagement, or negligence. It also provides coverage for legal expenses, compensation payments, and regulatory investigations related to the actions of directors and officers.

Is Directors and Officers Insurance mandatory?

While Directors and Officers Insurance is not legally required, it is highly recommended for any organisation with a leadership team. Without it, directors and officers could be held personally liable for claims of wrongdoing, putting their personal assets at risk.

Can Directors and Officers Insurance cover employment-related claims?

Yes, Directors and Officers Insurance can include Employment Practices Liability, which covers claims related to employment issues such as discrimination, wrongful dismissal, or harassment.

How much Directors and Officers Insurance coverage do I need?

The level of coverage you need depends on the size and complexity of your organisation and the risks your leadership team faces. We can help you assess your needs and recommend the appropriate level of coverage.

How do I make a claim under Directors and Officers Insurance?

If a claim is made against your directors or officers, contact us immediately. Our team will guide you through the claims process, ensuring that your case is handled quickly and efficiently.

Can Directors and Officers Insurance be combined with other business insurance policies?

Yes, many businesses choose to combine Directors and Officers Insurance with other policies, such as Professional Indemnity or Public Liability Insurance, for more comprehensive coverage. Bundling policies can also result in cost savings.

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