D&O insurance liability delivered its strongest calendar-year loss ratio in more than a decade
Directors & Officers insurance liability delivered its strongest calendar-year loss ratio in more than a decade in 2025, coming in at 50%
D&O Insurance
Directors and Officers insurance (D&O insurance) provides coverage for a company and its management, protecting them from claims arising from their decisions and actions.
Health and safety is the leading risk for directors and officers worldwide
Health and safety is the leading risk for directors and officers worldwide for a second year running, according to the Global D&O Survey
D&O liability insurance market in the US continues to experience pressures
The directors and officers (D&O) liability insurance market in the United States continues to experience pressures from new technologies, economic volatility, and geopolitical tensions
Declining D&O insurance premiums likely unsustainable
D&O liability premiums have declined significantly in recent years, with some renewal accounts seeing rate reductions of 20–40%. However, David Blades cautioned that this trend
Underwriters in D&O insurance continue to benefit from significant price hikes
Directors and officers insurance market has experienced favorable results in recent years, but ongoing risks and market uncertainties could challenge sustainability
Directors and officers face regional complexities
Regional developments highlight the need for targeted risk management strategies tailored to the environments directors and officers operate in
AI adoption and rise in cyber threats created new risk exposures for D&O
The adoption of artificial intelligence and the rise in cyber threats have created new risk exposures for directors and officers, reshaping corporate liability considerations
D&O insurance capacity in the US continues to exceed
Macroeconomic and geopolitical instability including the conflicts in Ukraine and the Middle East, coupled with the U.S. election year intensified market uncertainty
Directors face rising legal risk as technology reshapes regulation
As technology rapidly evolves, so do the legal expectations placed upon directors. They must now navigate a complex regulatory landscape designed to address the growing risk