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Directors & Officers

  • Bespoke arrangements for Directors & Officers both company and individuals
  • Wide range of Professional Risk insurers available (including Lloyd’s)
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What does a Directors and Officers policy cover me for?

A D+O policy is there to provide financial protection against claims made against you personally as a director (officer) or partner of your business. These can range from negligence, breach of duty, health & safety, pollution and defamation. Most policies, correctly placed will provide cover against the costs of defending or settling legal or criminal actions.

Why should I arrange company directors and officers insurance?

Imagine the prospect of defending against a legal action or a claim for compensation made against you. Now consider the impact of that knowing that the claim could impact on you personally… at that point you will wish you had cover in place and a policy to help offset those costs. It’s better to know you’re protected against any legal costs, fines or compensation claims made against you than to face the financial uncertainty of having to pay personally or rely on a company to fund the action. Having a policy in place is peace of mind.

What level of cover is sensible?

A policy can be tailored to meet your requirements; its unlikely you will need an indemnity level in the millions – but there again some companies engaging in high risk activities or with specialist requirements sometimes ask for coverage levels (usually through specialists insurers at Lloyd’s) of up to £10M. It also depends on the size of the company itself. Most commonly SME companies are content to have cover up to £100,000 but for modest increases in  additional premium to the base policy coverage,  can secure cover in increments of £250,000; £500,000 and £1M. The best policy is to ask and see what is affordable, and ascertain what you think you are comfortable with.

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What our clients say

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  • We have a  4.46 Rating on 1024 Reviews

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Farook mohamed 

Thanks to Joanne slater regarding my policy renewal I'm really appreciate Thanks again,

Posted 1 day ago

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Jason Doolan 

always helpful and vey efficient

Posted 1 week ago

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Anonymous 

Simon Derbyshire went above and beyond could not recommend him highly enough needs a pay rise really happy with service

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G Leaver 

Clegg Gifford are very good and I’m happy with the service. Thank you CG.

Posted 2 weeks ago

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Anonymous 

Spoke to Kelly Kendall she was so helpful and friendly and efficient 10/10

Posted 2 weeks ago

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Anonymous 

The lady I spoke to was maicey, very polite lady listened to what I had to say , Had a few hiccups along the way buy she resolved them quickly ,

Posted 3 weeks ago

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Brilliant services for me all exceptional can allow me to mention the of the person who helped me this transmission time from insurance to insurance this excellent staff called JULIJA Mislakina absolutely amazing person I have ever mate on phone conversation very clear conversation listening to the customer until finish also can tell very highly trust the customer evidence for that sort out everything what I need from insurance just in one day, unbeleavable! I would like to thank her taking this opportunity Many thanks to her

Posted 1 month ago

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COLIN THOMSON 

Serena was always prompt at answering emails and dealing with any questions I had

Posted 1 month ago

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Muhammad saleem 

Awesome services 1st class great rates and the lady Julija dealt very well and professionally everything discussed clearly highly recommended this company 100% satisfied wonderful services

Posted 1 month ago

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Jino george 

Thank you for such speedy and wonderful service

Posted 1 month ago

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Ian brown 

Ime happy with the service , Joanne has bin great,very helpful 😀

Posted 1 month ago

Why use Clegg Gifford?

  • Local office with friendly, helpful staff

    Unlike online insurers or UK-based call centres, you can pop in to speak to a human at our offices in Admiral House. Our staff are always happy to help with any enquiries you might have and guide you through the insurance-buying process. We are proud to support the local community and invest in local services for your convenience.

  • We use flexible insurers and aim to cater for unique circumstances

    Every risk is different and every person has unique circumstances to accommodate. Try us for those complicated or hard to place policies. Equally for those without insurance history, or with claims, we will strive to find a suitable policy that caters for your specific requirements.

  • You can place your commercial and personal insurance under one roof

    It’s far easier to deal with one broker for all your insurance needs. With a wide range of products available from different insurers, we can be your one-stop-shop for all your insurance needs either for yourself our wider family or your business. For instance – our family fleet policy enables you to place all of your household’s vehicles including cars, vans and bikes under one flexible policy.

  • The local factor – Guernsey expertise counts!

    One of the benefits of having been in the island for so long is that we can feedback the unique needs of islanders back to insurer partners. This counts when it comes to claims arrangements and for instance fighting for local choice on repair networks. It also means working with insurers to create flexible products such as our unique family fleet policy, which makes arranging insurance for your whole family that much less stressful – one premium, one renewal date, one policy.

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