Benefits

Starter Directors and Officers Insurance
When you take out a Starter Directors and Officers Policy, in addition to the policy cover, the following benefits apply:

Additional Benefits
Legal advice line from qualified solicitors
Free copy of the Company Directors Manual Published by Indicator

Policy Cover
Legal Liability arising from Wrongful Acts	6 Years Cover for retiring Directors
Corporate Reimbursement	Outside Directorships
Defence Costs and Expenses	Subsidiary Companies
Investigation Costs and Expenses	Automatic Subsidiary Cover
Criminal Defence Costs and Expenses	Extradition Proceedings Defence Costs and Expenses
Pollution & Contamination Defence Costs & Expenses (Sub-limit of £50,000 applies)	Identity Theft Costs and Expenses
Nil Deductible	Insured to approve claim settlements
Lawful Spouse or Civil Partner, Heirs or Estate included	Emergency Defence Costs
Sexual Harassment and Discrimination	Policy non cancellable other than for non payment of premium

Standard Directors and Officers Cover When you take out a Standard Directors and Officers Policy, in addition to the policy cover, the following benefits apply: Additional Benefits Legal advice line from qualified solicitors Fortnightly Company Director Tips and Advice Newsletter Fortnightly Personnel Tips and Advice Newsletter - (when coverage for Employment Practices Wrongful Acts purchased)

The standard directors and officers policy offers three levels of cover: Option 1: Directors and Officers Liability Option 2: Directors and Officers Liability with Corporate Liability Extension Option 3: Directors and Officers Liability with Corporate Liability and Employment Practices Extension

Directors and Officers Liability
Legal Liability arising from Wrongful Acts	Outside Directorships
Corporate Reimbursement	Subsidiary Companies
Defence Costs and Expenses	Automatic Subsidiary Cover
Investigation Costs and Expenses	Extradition Proceedings Defence Costs and Expenses
Criminal Defence Costs and Expenses	Identity Theft Costs and Expenses
Pollution and Contamination Defence Costs and Expenses	Automatic Reinstatement of Limit if Policy Exhausted (When combined with coverage for Corporate Liability)
Nil Deductible	Insured to approve claim settlements
Lawful Spouse or Civil Partner, Heirs or Estate included	Emergency Defence Costs
Sexual Harassment and Discrimination	Policy non cancellable other than for non payment of premium
6 Years Cover for retiring Directors

For the Company (Option 2). All of the coverage under Option 1 above Plus the following:
Legal Liability arising from Wrongful Acts	Criminal Defence Costs and Expenses
Defence Costs and Expenses	Pollution and Contamination Defence Costs and Expenses
Investigation Costs and Expenses	Deductible for Corporate Liability Coverage £2500

Employment Practices Liability (option 3). All of the coverage under Options 1 and 2 above Plus the following:
Legal Liability arising from Wrongful Employment Practices	Deductible for Employment Practices Liability Coverage £2,500 Rising to £3,500 for companies with turnover greater than £10m