ADVISOR AND CONSULTANT

DIRECTORS AND OFFICERS LIABILITY INSURANCE

WHY MY CLAIM GOT REJECTED?


Inflated and fraudulent claims. Don’t inflate your claims. Most policies carry a forfeiture clause, so if you are caught out, you may have to forfeit all benefits under the policy – in other words, the insurer is entitled to repudiate the entire claim,

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This cover is suitable for those Directors & key officers who are in a decision -making position.These directors and officers in pursuance of their duties may take some actions which may be in violation of certain statutes or Indian Laws.


Provides cover

  • Against any loss that the Organization may incur, on account of mistaken actions taken in their individual capacity as Directors & Officers in pursuance of their duties under Memorandum and Articles of Association.
  • Against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.
  • Legal costs & expenses incurred with the written consent of the insurers arising out of prosecution (criminal or otherwise) of any Director / officer and attendance at any investigation, examination, inquiry or other proceedings by the authority empowered to do so.
  • Expenses incurred by any shareholder of the Company in pursuance of a claim against any Director / Officer, which the Company is legally obliged to pay, pursuant to an order of a Court.
  • Provide indemnity to the estate of, legal heirs or legal representatives of the Director / officer in the event of the Director / officer becoming insolvent.

Exclusion

  • Any bodily injury ,sickness, disease or death of any person or any damage to tangible property
  • Dishonest, fraudulent, criminal or malicious act.
  • Personal guarantee.
  • Libel and slander
  • Personal injury and damage to property.
  • Pollution damage
  • Directly resulting from goods or products manufacture or sold by the company
  • Fines, penalties, punitive or exemplary damages.
  • Any circumstances existing prior to inception date of policy