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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  4.45 Rating on 949 Reviews

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Lonnie Smith 

Rob Howard is an absolute star, always acts promptly to sort any issues, very pleased with level of service and would highly recommend. D G Autos Doncaster Ltd.

Posted 1 week ago

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Haslemere Mercedes taxi 

It’s best insurance for your business

Posted 2 weeks ago

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Bennetts cars 

Leon pakiry was very helpful and polite. Built the policy to my needs. Would recomend

Posted 3 weeks ago

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Ivan carl Parker 

A Big Thank you to Rob Howard for sorting my insurance. Very Professional and Very quick at doing is job. Very Happy and pleased customer..Ivan C Parker

Posted 1 month ago

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ANDREA CLAIRE TRENTER 

Lorraine White sorted out our motor trade insurance today. Alex Grant was sorting it out. But i paid the deposit, emailed him, heard nothing. Emailed again. The insurance ran out today. I just managed to renew before it run out with the help of Lorraine White. Alex emailed this morning telling me i had to ring renewals. Even though he had been sorting this out and i paid the deposit last week.

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Anonymous 

Excellent service.

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Anonymous 

Kelly Kendall was very helpfulland done what i asked for straight away. 5 Stars

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Anonymous 

As usual, polite and prompt reply, job done as always

Posted 1 month ago

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Alan edwards 

Excellent Callum peter Jin good to deal with

Posted 1 month ago

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Stephen Gargaro 

Clegg Gifford are the best insurance brokers by far . I thoroughly recommend them for your motor insurance needs . Stephen Gargaro.

Posted 1 month ago

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Anonymous 

I have been dealing with Tyler Gull. I have found him most helpful, courteous and helpful. needing to insure a vehicle which had to be insured under bespoke, Tyler explained the process and was most helpful, I havenever used this Inurance cpany before and trust that should any further contact be necessary I will get the same level of care

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.

Our Products

Motor Insurance
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    Family Fleet Insurance
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      Public Liability Insurance
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        Household Insurance
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        Marine Insurance
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