Leadership today comes with increasing scrutiny and responsibility.

Directors and officers are trusted to make decisions that guide a business forward, often in complex and changing environments. Even where organisations are well run and decisions are made in good faith, challenges can still arise. Expectations from employees, shareholders and regulators continue to evolve, meaning leadership accountability now extends beyond day to day operations.

Importantly, not all risk sits solely at a company level. Directors and officers may be named personally in claims or investigations relating to their decisions or actions taken in the course of their role. These situations do not always reflect wrongdoing, but responding to them can require time, focus and professional support. Legal and defence costs alone can place pressure on individuals and the wider business, regardless of the eventual outcome.

This is why many businesses consider Directors and Officers insurance as part of a broader approach to leadership and risk. It is not about anticipating failure, but about understanding potential exposure and preparing for the unexpected.

If you are considering whether D&O insurance is relevant to your role or your business, Steve – Director of Risk, is always happy to have a conversation to help you explore your options.

Insurance products are subject to terms, conditions and exclusions. Please refer to policy documentation.
IronMarket Risk Management Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 923661).