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Protection for managing directors – because anyone who runs a company is personally liable for breaches of duty.
D&O insurance (directors and officers) protects management, executive board and supervisory board when they are held liable for a financial loss due to a breach of duty. It pays justified claims and defends against unjustified ones. The policyholder is usually the company; the managers are the insured persons.
The liability of managing directors is strict:
Claims by the company or third parties due to breaches of duty.
Lawyers’, court and expert costs.
Claims by your own company against management.
Claims by creditors, authorities or other third parties.
Cover for claims made only after the contract has ended.
Managing directors, authorised officers, supervisory board – depending on the contract.
It is important for:
Yes, personal liability applies regardless of the size of the company. In small companies in particular, private assets are often heavily affected.
Usually the company. It is best to clarify the tax treatment with your tax adviser.
Intentional and knowing breaches of duty are generally excluded. The exact limits are set out in the terms – we explain them before you sign.
Content reviewed by: Agnieszka Valenta, insurance broker · As of November 2026
We check the liability risks of your management and compare D&O offers – confidentially and clearly.
Personal advice in Breitenwaida – for businesses from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
