Insurance for Publicly Traded Companies
Assurance to move forward
Even the most well-managed public companies are under intense scrutiny. Leadership decisions can be challenged by shareholders, regulators, employees or competitors. This means decisions made in good faith can still be subject to investigations, litigation, or securities class actions.
We offer a Public Company Directors and Officers (D&O) insurance solution to address these exposures. Our policy protects the personal assets of directors and officers facing legal action or investigations for alleged wrongful acts. It also covers the company when it's required to indemnify its leaders, or when facing securities class action litigation.
Our D&O cover is broad and flexible, with entity securities cover as standard alongside crisis costs, emergency defence costs and protection for current and former leaders.
Spotlight video: Public Company Directors and Officers Insurance
Discover the key highlights of our Public Company Directors and Officers insurance in just three minutes. Watch Graham Constable, Management Liability Managing Director share an overview of who our cover is designed for and what sets Travelers apart.
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Logo: A red umbrella. Text: Travelers. Spotlight on Public Company Directors and Officers Insurance. Overview of Travelers Public Company Directors and Officers Insurance. Graham Constable Managing Director – Management Liability.
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GRAHAM CONSTABLE: Even the most well-managed public companies are under intense scrutiny. Leadership decisions can be challenged by shareholders, regulators, employees, or competitors. This means that decisions made in good faith can be subject to investigations, litigation, or securities class actions.
At Travelers, we offer a Public Company Directors and Officers insurance solution to address these exposures.
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Text: Protects personal assets
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Our policy protects the personal assets of directors and officers facing legal action or investigations for alleged wrongful acts.
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Text: Company cover for securities claims and investigations
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It also covers the company when it's required to indemnify its leaders or when facing securities class action litigation.
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Text: Broad, flexible Directors and Officers protection
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Our D&O product provides broad, flexible coverage, including entity securities cover but also crisis costs, emergency defence costs, protection for current and former leaders and more
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Why does a business need Directors and Officers Insurance?
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Across the world, directors and officers face a growing number of risks — from cyber and AI to broader economic challenges and geopolitical tensions.
For example, after a publicly traded manufacturing company reduced profit guidance on the back of a cyber breach, shareholders filed a securities class action claiming their statements were false and misleading. The suit alleged directors and officers failed to disclose key risks. Legal fees and the settlement totalled over £9 million pounds. Without D&O coverage, they could have faced personal financial liability, and defending the claim would have distracted leadership and put the company’s reputation at risk.
However, with robust D&O insurance, the directors and officers had the financial support to manage the case. Coverage enabled leadership to focus on operations, protect the company’s reputation, and reassure investors that executive responsibilities were safeguarded.
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Text: Financial support. Leadership focus. Reputation protection. Investor reassurance.
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Text: Why Travelers?
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Text: Dedicated D&O specialists
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We have a dedicated D&O team that understands the challenges public companies face, and we tailor solutions to fit each organisation’s risk profile.
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Text: Tailored cover for complex public companies
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Our coverage goes beyond the basics - including independent director liability, crisis management expenses, and local policies for jurisdictions where placement can be complex. Because every company is different, we can customise coverage limits, retentions, and policy terms to suit your governance and financial profile.
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Text: 5-star award-winning claims service
When claims happen, our dedicated, 5-star award-winning in-house Claim Team provides practical, responsive guidance, working swiftly to protect your interests and reputation.
Ultimately, Travelers gives leadership teams the expertise, coverage, and support they need to make decisions with confidence, whilst providing the reliability organisations depend on in today’s complex risk environment.
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Logo: A red umbrella. Text: Travelers. This video is for informational purposes only. It does not, and is not intended to, provide legal, technical or other professional advice, not does it amend, or otherwise affect the provisions or coverages of any insurance policy issued by Travelers. Travelers operates through several underwriting entities in the UK and Europe. Please consult your policy documentation or vist the websites below for full information.
Travelers advantage
In a dynamic world, things don’t always go to plan. Travelers offers expertise you can count on to address diverse risks.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Multinational reach. Tailored coverage and support in more than 150 countries.
Advantage spotlight
We have a dedicated D&O team that understands the directors’ and officers’ liability exposures public companies face, and we tailor solutions to fit each organisation’s risk profile. Our coverage goes beyond the basics, including independent director liability, crisis management expenses, and local policies for jurisdictions where placement can be complex. Because every company is different, we can customise coverage limits, retentions and policy terms to suit your governance and financial profile.
When claims happen, our dedicated, 5-star award-winning in-house Claim Team provides practical, responsive guidance, working swiftly to protect your interests and reputation.
Ultimately, Travelers gives leadership teams the expertise, cover and support they need to make decisions with confidence, whilst providing the reliability organisations depend on in today’s complex risk environment.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Accommodation and food services
- Administrative and support services
- Agriculture, forestry
- Arts and entertainment
- Construction
- Education
- Food and beverage
- Manufacturing
- Mining and quarrying
- Motor trade
- Oil and gas
- Paper/packaging
- Professional, scientific and technical
- Property developers
- Real estate activities
- Transportation and storage
- Technology
- Utilities
- Wholesale and retail
We’ll consider
We may need more information to confirm a fit.
- Gambling and betting
- Pharmaceutical & life sciences
We do not cover
Sorry, we’re currently unable to insure the following.
- Marijuana
- Professional sports or agents
- Religious or political organisations
- Tobacco
Covers & highlights
Directors & officers (D&O) covers & highlights
- Available on an aggregate or any one claim basis
- Broad definition of wrongful act
- Court attendance costs
- Cover available for directors and officers who have retired or resigned
- Crisis event costs
- Deprivation of asset costs
- Directors and officers, and company reimbursement
- Emergency costs access
- Entity securities cover as standard for publicly traded companies
- Extradition proceedings
- Health and safety investigations and investigations by other regulators
- Outside entity directors cover available to individuals in the position of directorship
- Pre-investigation costs
- Warranty-free policies
Commercial crime covers & highlights
- Available on an aggregate or any one loss basis
- Broad definition of crime
- Claim expense costs
- Client cover
- Commercial disruption costs
- Court attendance costs
- Criminal damage costs
- Data damage expenses
- Employee fraud or dishonesty as well as third-party crime
- Identity fraud expenses
- Public relations expenses
- Social engineering cover
- Telephone fraud costs
- Warranty-free policies
Employment practices liability (EPL) covers & highlights
- Broad definition of claim
- Broad definition of insureds, including directors, officers and other employees, as well as the company itself
- Broad definition of wrongful act
- Court attendance costs
- Full retaliation cover
- Multi-year run-off options
- No exclusion for reduction in workforce or mass layoffs
- Outside entity directors covered
- Warranty-free policies
Pension trustee liability covers & highlights
- Includes employment benefit programmes and employee share ownership programmes
- Available on an aggregate or any one claim basis
- Broad definition of wrongful act
- Court attendance costs
- Cover available for trustees who have retired or resigned
- Employees, trustees, sponsoring employer, corporate trustee and pension scheme reimbursement
- Insured person public relations expenses
- Loss of documents costs
- Third-party service provider pursuit costs
- Warranty-free policies
IPO D&O covers & highlights
- Available on an aggregate basis
- Broad definition of wrongful act
- Cover available for directors and officers who have retired or resigned
- Crisis event expense cover
- Directors and officers, and company reimbursement
- Deprivation of assets coverage
- Emergency defence costs coverage
- Extradition proceedings
- Insured person public relations expense coverage
- Includes securities entity coverage
- Outside entity directors cover available to individuals in the position of directorship
- Reputation protection expenses coverage
- Security holder derivative demand or action investigation costs
- Supplemental non-executive director limit of liability
- Warranty-free policies
Related products
Private and non-profit companies
Insurance for private companies and non-profits, bundling D&O, corporate legal liability, employment practices, crime and pension trustee cover.
Cyber
Every company faces cyber threats and risks. Cyber cover helps businesses deal with the increasing complexity of digital crime.
Financial institutions
Fully invested and without compromise, our dedicated underwriters have deep knowledge of the financial sector with the backing of a strong credit rating.
Let’s start the right conversation
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