Directors & Officers Liability Insurance (D&O)

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Directors & Officers Liability Insurance (D&O)

Protecting Leadership. Safeguarding Reputation.

Directors & Officers (D&O) Liability Insurance protects the personal assets of company directors, officers, and senior executives against legal claims brought for alleged wrongful acts in the management of a company.

What Does It Cover?

Directors & Officers Liability - Covers legal liability for wrongful acts in their capacity as D&Os.

Company Reimbursement - Reimburses the company when it indemnifies its directors or officers.

Investigation Costs - Covers legal and advisory costs in regulatory and official investigations.

Employment Practice Liability (EPL) - Optional cover for wrongful dismissal, harassment, and workplace misconduct.

Public Relations Costs - Reimburses crisis PR services to protect reputation.

Why Choose SUN’s D&O Policy?

• Comprehensive Protection – Covers defence costs, compensation pay-outs, regulatory investigations, and more.

• Tailored to the Fijian Market – Designed to align with the Companies Act 2015, FICAC regulations, and evolving governance expectations.

• Backed by Reinsurance – Supported by top-rated international reinsurers for financial stability and claim security.

• Broad Extensions – Includes optional covers for: Employment Practices Liability (EPL), Claims, Regulatory Investigations, Mitigation Costs.

Policy Highlights

• Claims-Made Cover – Applies to claims first made and notified during the policy period.

• Limit of Indemnity – Available limits from FJD 500,000 to FJD 5 million (with reinsurance support).

• Automatic Discovery Cover – 30-day free discovery period post-policy expiry.

• Worldwide Coverage – Excluding USA / Canada

What’s Not Covered?

✘ Fraud or dishonest conduct (once proven)

✘ Bodily injury or property damage

✘ Prior known claims or circumstances

✘ Claims by major shareholders (above 25%)

✘ U.S. securities offerings (unless specifically agreed)

How do I file a claim with Sun Insurance?

Contacting any of Sun Insurance agency
Visiting any of Sun Insurance Branches in Fiji
Visiting Sun Insurance Website

What is an insurance excess and how does it work?

An excess is the amount of money the insured must pay out of their pocket when making a claim on their insurance policy.

For more FAQs click here >

Click for D&O Policy PDF

Why choose Sun Insurance?

Sun Insurance is more than an insurance provider; we are a partner committed to helping you navigate life’s uncertainties with confidence. Let us show you the Sun difference today!