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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  4.38 Rating on 804 Reviews

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Anonymous 

Callum Peterkin Gave a very good service and sorted my problem out.

Posted 1 day ago

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Anonymous 

Very happy. kelly kendall is very heldfull.

Posted 3 days ago

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Victor Trott 

Kelly Kendall was very pleasant to talk to, gave an informed service and was polite throughout. From a customer’s point of view, I am sure she is an asset to your company 5 stars

Posted 4 days ago

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Anonymous 

Communication was good. All my calls were looked into, emails were chased up and responded to in good time.

Posted 6 days ago

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Anonymous 

Kelly Kendall was extremely helpful in me processing my e- mails.Many thanks.

Posted 1 week ago

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Terry French 

Kelly Cooper thank you for your attention to detail and to go always one step further. Your service shows that’s why I have come back year after year. Thank you.

Posted 1 week ago

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gaz 

Hi These people might not be the most cheapest insurance brokers but the difference is only a few pounds if that Does that really matter??? No as they always answer the phone rapidly You can always get hold of someone You can email them and they get back straight away usually telling you any issue they have fixed the problem Never had an issue with C G and they always help and sort the job Top team and i would not be without them Well done CG

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William goodbrand 

Pamela Ferguson is the best ! Always gets everything right that’s why I have switched back from others companies to Tradex

Posted 1 week ago

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Christopher 

I’ve spoken to Chanel medi today who was very helpful, polite and sorted out my problems thouroly, a pleasure to be sorted smoothly

Posted 1 week ago

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Gabriela Nemeth 

Thank you Hen-Roy Brown for your help. Sorted my insurance quickly and without any stress. Good customer service. Highly recommended.

Posted 2 weeks ago

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V.Richmond-Southcoast Diesels. 

Robert Howard responded quickly and efficiently.

Posted 3 weeks 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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