D&O Insurance Advisory

The value of D&O advisory is in the detail, because the difference between a policy that pays and one that does not lives in the definitions and exclusions. Who exactly is an insured person, and does the cover extend to former and future directors and to officers below board level? Does the policy respond to regulatory investigations and inquiries, which are increasingly where exposure begins, or only to formal claims? How are the conduct exclusions framed, and do they strip cover at the very moment a director needs it? Our team reads these clauses for what they will do when a claim arrives, not for how reassuring they sound at renewal.

Law Mahaguru focuses on the structural questions that decide real protection. We examine whether the limit is adequate for the company’s risk profile and whether it is shared in a way that could leave individual directors competing for a depleted pot. We look at the allocation between covered and uncovered matters, the treatment of defence costs, the retroactive date and any gaps in continuous cover, and the order in which the policy responds across the company and the individuals. These are precisely the points that determine whether a director is shielded or stranded.

What clients value is that we approach the policy as lawyers who understand how claims and investigations actually unfold, rather than as a checklist exercise. We have reviewed policies that looked comprehensive yet carried exclusions that would have voided cover in the most likely claim scenarios, and we help clients close those gaps before a claim ever tests them.

We advise companies arranging or renewing D&O cover, boards wanting an independent read on the protection they have been sold, and directors who want to understand their personal position before accepting an appointment.

A director’s personal exposure deserves protection that holds under pressure, not protection that looks good on paper. Law Mahaguru makes sure yours holds. Share your policy or your proposal, and we will tell you where your leaders are protected and where they are not.