Directors & Officers Liability— personal asset protection against claims
Board members are liable with their entire assets for business decisions. D&O policy protects against claims from shareholders, creditors, and authorities. Free consultation.
Risks board members face
CEOs, board members, and supervisory board members bear personal liability for decisions. Without D&O policy, you risk:
- 1Creditor claims in case of company insolvency
- 2Shareholder lawsuits for wrong business decisions
- 3Administrative penalties from ZUS, tax office, competition authority
- 4Employee claims (mobbing, discrimination, safety)
D&O Policy – personal asset protection
Directors & Officers liability insurance covers legal defense costs and potential compensation. It protects your private assets – home, savings, car – from seizure due to claims related to your position.
Why Choose
This Option?
Personal Asset Protection
Your home, savings, and private assets are protected against claims directed at you as a board member.
Legal Defense Costs
Policy covers expensive legal services – lawyers, experts, court costs. Even if you win the case.
Former Directors Protection
Claims can arise years after tenure ends. Good D&O policy also protects former managers.
Internal and External Claims
Protection against claims from shareholders, creditors, state authorities, employees, and the company itself.
Who needs D&O policy?
D&O policy is essential for anyone holding a position in company bodies. I help entrepreneurs in Silesia choose the right coverage.
- CEOs and board members of capital companies
- Supervisory and audit committee members
- Managing directors and authorized signatories
- Company liquidators
What Clients
Say?
“After a conflict with a partner, D&O policy covered my legal defense costs. Without it, I would have paid over PLN 50,000 out of pocket.”
Marek T.
CEO of Ltd., Katowice
“As a supervisory board member, I wasn't aware of the risks. Igor explained everything and selected the right policy.”
Stanisław W.
Supervisory Board Member, Bytom
“After years on the board, I have peace of mind. D&O policy is an investment in my asset security.”
Barbara L.
Vice President S.A., Gliwice
Frequently Asked
Questions
Yes. Art. 299 of the Commercial Companies Code states that board members are jointly liable with their entire assets for company obligations if enforcement against the company proves ineffective. This is not theory – it's real risk.
Premium depends on company size, industry, coverage amount, and claim history. For a small Ltd., it may be PLN 3,000-10,000/year. That's little compared to potential personal risk.
Yes, many policies cover penalties imposed by authorities (ZUS, tax office, competition authority) and defense costs in administrative proceedings. This is an important protection element in Polish reality.
Good D&O policy includes run-off cover, i.e., protection for former board members. Claims can arise even years after tenure ends, which is why this is crucial.
Yes! In small companies, personal risk is even higher because one person often holds multiple roles. Conflict with partner, problems with ZUS or creditor – these are common scenarios.
Protect Your Personal Assets
Schedule a free consultation. I'll analyze risks related to your position and propose an appropriate D&O policy.
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