Unfortunately in todays litigious society, people are very quick to point the finger at someone when things go wrong.   The benefits of D&O are well known to executives on the boards of large national or multi-national organisations. They are only to familar with the risks of legal action which go hand in hand with the responsibilities of their roles.   It is a fact that Directors of small companies, charities, trusts and other "not for profit" organisations also face considerable risks but this is not widely recognised.   Legally, directors of limited companies and those in a position of responsibility, can be responsible for decisions they make on behalf of the company. This means that, as a director, your own personal wealth could be at risk. This is whether or not they were directly involved or being remunerated for their role.   Directors and Officers insurance provides financial protection for acts undertaken in the running of an organisation as well as those involving negligence and breach of trust from an honest mistake.   Defending a claim can be exceptionally expensive, as experts and professionals are called in to represent you. Therefore, it is vital that there is adequate cover in place to encompass those costs and ensure that your business is not financially affected. This is irrespective of a companies "limited" status.   With all Stakeholders being potential sources of legal action and with new laws being introduced on a regular basis the possibility of becoming embroiled in an official investigation, or litigation, heightened.   Some organisations are now realising the importance of D&O insurance and the place it has in their insurance portfolio. We can offer a full range of Directors and Officers policies, as required, we will access your requirements and recommend the most suitable solution for your needs.   Contact our team on 0800 377 7797 should you require a quotation, or ask about our risk management solutions. Alternatively click here to fill in our online form.