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D&O Side A Excess

Having corporate Directors & Officers (D&O) Liability cover and Side A cover with the same insurer can leave directors and officers wide open to financial exposure; for example, if the insurer denies liability under the corporate D&O Liability policy, or, worse, becomes insolvent.

When structuring D&O Liability cover, it may make sense to keep Side A cover with an insurer who is not a major player in the corporate D&O programme.

At a glance:

  • Provides difference-in-conditions cover which may provide protection when the:
    • claim is not covered by the underlying corporate D&O policy;
    • corporate D&O insurer(s) is insolvent; or
    • corporate D&O policy is rescinded by the insurer(s)
  • Fills potential gaps in corporate D&O cover
  • Limits exhaustion peace of mind: a policy limit is set aside exclusively to cover claims made if the corporate D&O cover limit is depleted from paying previous claims.

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Liberty International Underwriters, known also as LIU or Liberty, is a trading name of Liberty Mutual Insurance Company (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited); Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong and Liberty International Underwriters Pte Limited (UEN 201538069C), incorporated in Singapore with a branch in Labuan (Reg. No. LF12903), licensed to carry on general insurance business under the Labuan Financial Services and Securities Act 2010, Lic. No. IS2016162 (together LIU).

We are not authorised to provide financial product advice. Accordingly, the information on this website does not take into account your objectives, financial situation or needs. Always consider the applicable policy wording and other relevant disclosure documents before deciding to acquire a financial product.


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