Liability & Risks · Cover Explained责任防范 · 险种解读
Directors & Officers董事责任险
Management Liability管理层责任保障
What it covers
Protects directors and officers from personal liability for alleged wrongful acts in management roles — regulatory investigations, shareholder disputes, employment claims.
Scope of cover
- Legal defence costs for directors personally
- Settlement amounts from wrongful act claims
- Regulatory investigation costs
- Employment practice liability (optional)
Exclusions
- Fraudulent, dishonest, or criminal acts (once proven)
- Profit or advantage gained illegally
- Known claims at policy inception
保障承诺
保障董事及高管因履行管理职责时的不当行为指控，免受个人财产被追索，涵盖监管调查、股东争议及员工索赔。
保障范围
- 董事个人的法律辩护费用
- 不当行为索赔的和解金
- 监管调查费用
- 雇佣实践责任（可选扩展）
不保事项
- 欺诈、不诚实或犯罪行为（一经证实）
- 非法获取的利润或利益
- 保单起始时已知的索赔
Also in Liability & Risks同属责任防范
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