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Directors and Officers Insurance

Directors’ and Officers’ liability insurance, whilst often overlooked, is an incredibly important cover for all types of business.

As a business director you have a personal responsibility for all your actions, including errors and omission and the decisions that you make. You can be personally liable for claims from employees, customers, members of the public, investors and regulators. Being sued as a director or officer of a company not only threatens your company’s financial position, but also your personal wealth.


  • Harassment and discrimination claims
  • Breach of legislation (Health & Safety, Data Protection, Companies Act etc.).
  • Financial mismanagement claims
  • Merger, partner or acquisition disputes
  • Corporate Manslaughter
  • Wide definition of insured persons
  • Reimbursement cover for the company
  • Legal defence costs, expenses and civil damages
  • Investigation costs and expenses
  • Criminal defence costs and expenses
  • Cover available as standalone policy or combined with other business insurance
  • Capacity up to £350M

This insurance therefore covers the payment of fines, compensation and legal expenses. What’s more it can be used to support the company if the insured event leads to imprisonment of a key staff member.

Small companies need this cover just as much as larger ones and premiums are rated accordingly.

At Flint we look at your business and compare this to what’s on offer from our trusted insurance panel. We will choose the combination of cover that suits you and your business best.

Allowing our expert commercial insurance brokers to consider your risks and circumstances and make recommendations is the best way to secure the most cost effective contract for you.

Experiencing an insured event and then making a claim is when you realise just how important your insurance cover really is.

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Fewer claims means reduced premiums

Good risk and claims management is essential for all business owners. Risk Management is the term we use for minimising (or mitigating) the risks to your business. It’s ultimate aim is to both reduce the number of claims that you have and when loss really is unavoidable, the severity of those claims.

At Flint Insurance, we are experts in advising our clients on how to avoid claims and when they do occur ensuring that the financial and non- financial impacts to the business are kept to an absolute minimum.

We do this by understanding your business in minute detail, reviewing past performance and historical claims to spot obvious trends. Ultimately, we make specific recommendations to set up your individual and robust insurance programme. This comes with a clear explanation of your insurance contract so that you understand exactly what is and what is not covered.

If we can stop claims happening at source, we can help to reduce your insurance premiums by making your risk as attractive as possible to the widest number of insurers.

Our Claims and Risk Management Services Include:

  • Insurance Risk Assessments
  • Risk Surveys
  • Claims Reviews
  • Property Valuations
  • Business Interruption Computation
  • Business Continuity and Disaster Recover Planning
  • Asset Registers, Stock and Plant Valuations

When Accidents Happen

In the unfortunate event that you experience a loss, having the correct cover in place from the outset enables our claims executives to negotiate the best possible settlement for you; our understanding of your business helps us to better support you throughout the claims process. We are always the advocate of our clients.

Claims management from Flint gives you the peace of mind that your business is supported by commercial claims experts who have the knowledge and experience gained from dealing with minimal losses to large catastrophes. We work hard to ensure that any loss has as little impact on your business as possible.

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Why choose us?

Flint Insurance is an independent insurance broker who works with a panel of quality insurers to provide the best possible insurance policies for our clients. There’s no huge call centre – with Flint you deal with the person who is handling your risk. We only take your details to get you fantastic rates from quality insurers.

Whether you’re a sole trader or large corporation Flint seeks to understand your business and make recommendations for cover. Experts in our field, we work with trusted insurers to compare the market for great cover at the best rate.

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    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 021 4501 and one of our team will be more than happy to help.

    Make a claim