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Directors and officers in the Middle East are increasingly at risk from exposure to personal financial liability arising from claims brought against them in connection with the discharge of their duties.
Directors and Officers liability insurance (D&O) provides coverage for past, present and future directors and officers in respect of wrongful acts undertaken in the course of the performance of their managerial duties. D&O cover protects the personal assets of Directors and Officers.

The policy is purchased by the company for the benefit of the directors and officers as individual insureds. The policy will reimburse the company itself for a loss where it has indemnified a director in respect of a claim made against them and in the event that the company is unable to reimburse the director, the policy will directly pay the individual.


  • Advancement of defence costs
  • Legal fees and expenses for attendance at any investigation
  • Pre-investigation cost
  • Outside directorship cover
  • Automatic Discovery period
  • Subsidiaries as per definition in wording
  • Lifetime run-off for retired directors
  • Special excess protection for non-executive directors which is in excess of aggregate limit of liability
  • Prosecution expenses
  • Bail bond and civil bond expenses
  • Crisis communication extension
  • Risk management extension
  • Accidental Homicide (Corporate Manslaughter)
  • Assets & Liberty expenses

Why AIG?

  • Financial resources that allowed us to pay an average of $115.1mn in claims worldwide every business day in 2012.
  • 88 million clients in over 100 countries and jurisdictions.
  • A 90-year history and one of the industry's most extensive ranges of products and services.
  • Deep claims expertise with the know-how to handle the most complex risks.
  • A+ Rating as per S&P
  • $34 billion in net written premiums worldwide in 2012.