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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

Discover what our clients are saying on the most trusted review platforms

  • We have a  4.47 Rating on 1079 Reviews

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Donald Campbell 

Always had a great service with clegg Gifford and especially with the help from Serena who is an asset to this company

Posted 1 week ago

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Laurent Harper 

Joanne is the most pleasant and efficient insurance agent I have ever known in all my years of driving since 1985. Super quick, detailed, easy to understand responses to calls and emails . She's great!

Posted 1 week ago

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Alan 

Always sorted promptly, I mean within minutes, 10 out of 10 Serena.

Posted 1 week ago

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Ahmadzai manzoor 

I'm so pleased to inform that I'm happy the service I received today and things move to easily and smoothly with my insurance

Posted 1 week ago

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M khan 

Kelly was excellent she dealt with everything smoothly

Posted 2 weeks ago

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Michael Smith 

I have just renewed my taxi insurance with Clegg Gifford. Everything went very well with no issues at all. Many thanks to Rebecca Ross for assisting me with my renewal

Posted 3 weeks ago

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Anonymous 

Kelly Kendall an absolute gem! Very helpful and resolved my issue super fast,thanks very much

Posted 3 weeks ago

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Anonymous 

Always best service from staff Serena Horsewell especially Always prompt ♥️ 👍 ❤️ From Mr G Hussain Tahir Car sales

Posted 3 weeks ago

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Marc Rochford 

Serena Horsewell who is a Customer Service Administrator for Clegg Gifford whom I’ve dealt with for years as I’ve been a customer for over 20 years now is absolutely perfect! I asked if she had shares in the company because her customer service, speed at which she responds and deals with any issues is almost unbelievable. She is professional polite and always a pleasure to deal with. Marc Rochford

Posted 1 month ago

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Ian cross 

Big thank you to Kelly Kendall who has been so helpful & professional with dealing with a few problems, it makes a change nowadays to get someone who is so effecient in their job

Posted 1 month ago

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Tom A 

Imogen Gibson dealt with our policy. Very professional with lovely manners. Extremely helpful and a pleasure to speak with. Thank You!

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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