Business insurance
Directors & Officers Liability, without the babble.
Shield your leadership's personal assets from claims tied to their decisions.
Directors & Officers (D&O) liability insurance protects the personal assets of your company's leaders when they're sued for decisions made in their roles. Under South Africa's Companies Act, directors can be held personally liable for a wide range of failures — and a single claim can put a director's home and savings at risk.
Ample arranges D&O cover that pays the legal defence costs and settlements arising from claims against directors and officers, so good people can lead without risking everything they own.
What Directors & Officers Liability covers
Legal defence costs
Often the biggest expense — covered even where the claim is ultimately unfounded.
Personal-asset protection
Shields directors' own homes, savings and assets from claims.
Regulatory investigations
Costs of responding to regulators and investigations.
Wrongful acts
Alleged breaches of duty, mismanagement, misstatements and errors.
Employment & statutory claims
Cover for many claims directors face under South African law.
Company reimbursement
Where the company indemnifies its directors, the policy can respond.
Who directors & officers liability is for
- Directors and senior executives of any company
- Board members, including non-executives
- Companies seeking or holding outside investment
- Non-profit organisations and their boards
Directors & Officers Liability FAQs
Why do directors need personal cover — isn't the company liable?
Under the Companies Act, directors can be held personally liable for their decisions, putting their own assets at risk. D&O steps in where the company can't or won't indemnify them — for example, in insolvency.
What kinds of claims does D&O cover?
Allegations of mismanagement, breach of duty, misrepresentation, regulatory breaches and many employment-related claims against leaders. It primarily covers the legal costs and any settlement or award.
Do small or private companies need D&O?
Yes. Claims come from regulators, employees, creditors, competitors and shareholders — not just listed-company investors. Any director carries personal exposure, regardless of company size.
Does D&O cover the company itself?
D&O focuses on individuals, but cover for certain claims against the company (entity cover) can be added. We structure it so both your leaders and, where needed, the company are protected.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
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