Directors can be held personally liable for decisions made in the boardroom. We compare 10+ insurers to find D&O cover that fits your board, whether you're a startup, a growing company or a not-for-profit.
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Personal cover for directors & officers, company reimbursement, defence costs and investigations
Shareholders, investors, employees, creditors and regulators can all bring claims against directors and officers personally. We compare D&O cover across 10+ insurers so your board can make decisions with confidence.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with D&O options that fit your board. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We arrange D&O for company boards, founders raising capital and volunteer committees, and explain the policy in plain English.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and review your cover as your board, investors and company structure change.
Notify a claim or circumstance 24/7. Our team liaises with the insurer for you so your directors are supported from day one.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from businesses and organisations we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the cover your board and organisation need. Mix and match on one quote.
Can cover defence costs and liability when directors and officers are personally pursued for wrongful acts in their role.
Quote D&O coverTypically reimburses the company when it indemnifies its directors and officers for an insured claim.
Quote D&O coverA package that can include D&O plus employment practices, statutory liability, crime and tax audit cover.
Quote management liabilityCovers claims arising from professional advice or services your organisation provides.
Quote professional indemnityCover if your organisation causes injury to someone or damage to their property.
Quote public liabilityReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know directors and officers insurance and the personal risks of sitting on a board.
D&O insurance protects the personal liability of directors and officers for wrongful acts in their role, such as alleged breaches of duty, misleading statements or poor decisions. It typically covers defence costs and any damages or settlements the insurer agrees to, and can reimburse the company when it indemnifies its directors.
Anyone who sits on a board or committee can face a claim. D&O is commonly bought by company boards, startups and growing companies (investors and incoming directors may ask for it), private and family companies, and not-for-profit and association committees whose volunteer members want personal protection.
Claims can come from shareholders, investors, creditors, employees, competitors, customers and regulators. Even an allegation without merit can be expensive to defend, which is why defence costs are such an important part of D&O cover.
Standalone D&O focuses on the personal liability of directors and officers. A management liability package usually includes D&O as one section and adds cover for the company itself, such as employment practices, statutory liability, crime and tax audit. Many private companies and not-for-profits choose the package; others prefer standalone D&O. We can quote both so you can compare.
Some fines and penalties can't legally be insured, and policies also typically exclude dishonest or fraudulent conduct once it is established. Defence and investigation costs are more commonly covered. Policy wordings differ, so we'll explain how each option treats this.
Generally, yes. D&O policies usually respond to claims first made and notified during the period of insurance, so it's important to keep cover continuous and to tell us promptly about any claim or circumstance that might lead to one. If a company is sold or wound up, run-off cover may be available for past acts – ask us about it before the change happens.
Premiums depend on your industry, size and financial position, whether you're raising capital, your number of shareholders, any claims history, and the limit and excess you choose. A not-for-profit committee will typically be priced very differently from a company with outside investors.
Contact us at Shielded Insurance on 1800 97 98 99 as soon as you receive a claim, letter of demand or notice of investigation, or become aware of a circumstance that could lead to one. Claims can be notified 24/7 and we'll deal with the insurer on your behalf.
