Directors & Officers (D&O) Insurance
D&O is often bought because an investor or an independent director asked for it. A review checks whether it would protect the people it names, in the situations they actually face.
What we look at in your directors & officers (d&o) insurance policy
Directors and Officers insurance covers individuals (and, in some structures, the company) against claims arising from decisions made while managing the business. It becomes relevant at funding rounds, when independent directors join, or when a company grows into regulatory scrutiny. Wordings differ sharply between insurers. A Kavaach review reads yours against your board, your investors' requirements and your actual risk.
- Side A, Side B and Side C structureWho is covered when the company can't or won't indemnify, when it can, and whether the entity itself is covered for securities claims.
- Limit of liability and investor requirementsWhether the limit matches what your shareholders' agreement requires, and how defence costs erode it.
- Insured persons and past directorsWhether former directors, prospective directors and spouses are included.
- ExclusionsInsured vs. insured, prior acts, fraud and personal profit, regulatory fines, and how 'final adjudication' wording works.
- Claims-made basis, retroactive date and run-offWhat happens to cover if the policy lapses, the company is acquired, or a director resigns.
- Notification and consent-to-settleThe conditions that most often trip up a D&O claim.
Who should reach out
Founders raising or having raised institutional capital; companies appointing independent directors; boards of growing private companies, NBFCs and regulated entities; anyone asked by an investor agreement to 'maintain D&O cover'.
Choose how you want to handle Directors & Officers (D&O) Insurance
Both paths are complimentary and both end the same way: you decide.
Talk to your Kavaach Saathi
Share your company's policy on WhatsApp. A real person reviews it against what you actually need and walks you through the gaps, in plain language. No forms, no sales pitch.
- Send your policy document or a photo
- We review cover, exclusions, and fit
- You get clear insights and options
- You decide what to do next
Compare it yourself
Prefer to start on your own? Use the Kavaach self-serve portal to verify your number and compare what's available for your business. Some commercial lines need a person to compare wordings; if yours isn't listed, your Saathi picks it up from there.
- Enter your mobile number
- Verify with the OTP you receive
- Compare plans on the dashboard and buy
Kavaach is not an insurer, broker or agent. A review is a second opinion on fit and coverage, not a recommendation to buy, switch or cancel. We do not guarantee premiums, savings or approval. Whatever path you pick, the decision stays with you.
Frequently asked questions
We're a small private company. Do we need D&O?
Not every company does. It becomes worth serious consideration when you take outside capital, add independent directors or operate in a regulated space. We'll explain the trade-off for your stage.
Our investor agreement says 'adequate D&O cover'. What does that mean?
It's deliberately vague. We'll help you read the clause, understand what limit and structure would reasonably satisfy it, and what your investors are likely to expect.
What is the difference between Side A and Side B?
Side A covers individuals directly when the company doesn't indemnify them. Side B reimburses the company when it does. Both matter; how they're structured determines who is actually protected in a dispute.
Can D&O be compared on the self-serve portal?
No. D&O wordings need to be read and compared by a person. This line always starts with a Saathi conversation.