Directors & Officers (D&O) / Management Liability Insurance
for Construction Companies

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Protect directors, partners and senior managers against claims of mismanagement, negligence, regulatory breaches and wrongful decisions.

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GET A QUOTE NOW

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MANAGEMENT LIABILITY FOR CONSTRUCTION DIRECTORS & SENIOR LEADERS

  • DIRECTOR DECISIONS

  • REGULATORY BREACHES

  • STAKEHOLDER DISPUTES

  • HEALTH & SAFETY FAILURES

What Is Directors & Officers (D&O) Insurance for Construction Companies?

Directors & Officers Insurance (D&O) protects individuals in senior decision-making roles against claims relating to mismanagement, negligence, breach of duty, regulatory failures or wrongful decisions.

Construction companies face heightened risks - such as health & safety compliance, project delays, contract disputes, financial management scrutiny and stakeholder complaints.

D&O ensures personal assets are protected if a director, partner or officer is held personally liable.

What Does D&O / Management Liability Insurance Cover?

Protection for key individuals exposed to personal liability.


  • Claims of negligence, error or mismanagement
  • Breach of duty, breach of trust or breach of regulations
  • Health & safety enforcement actions
  • Employment practices liability (optional)
  • Financial misstatements or wrongful trading allegations
  • Corporate manslaughter defence costs
  • Regulatory investigations (HSE, FCA, HMRC, etc.)
  • Claims from shareholders, lenders or subcontractors
  • Legal defence costs and settlements

Common Sources of Claims in Construction


  • HSE enforcement following site injury or incident
  • Wrongful termination or employment disputes
  • Mismanagement of subcontractors or contracts
  • Delays causing financial loss to clients
  • Allegations of financial misreporting
  • Failure to comply with CDM responsibilities
  • Environmental breaches or unsafe practices

Why Construction Companies Choose Insure24 for D&O Cover


  • Specialist understanding of construction-sector risks
  • Cover for directors, partners, officers & senior managers
  • Optional Employment Practices Liability inclusion
  • Competitive premiums for SMEs & large contractors
  • Protection for regulatory investigations & defence costs
  • Support for claims, disputes & compliance obligations

“As directors, we needed protection from claims against our decisions. Insure24 guided us through the cover and secured a great premium.”

Sarah M., Construction Company Director

FREQUENTLY ASKED QUESTIONS

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Is D&O Insurance required by law?

No - but construction firms are considered high risk, and many clients, lenders and investors expect directors to carry D&O cover.

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Does D&O cover health & safety breaches?

Yes - D&O can cover investigation and defence costs for HSE actions, though fines and penalties themselves may not be insurable.

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Are my personal assets protected?

Yes - D&O protects the personal assets of directors, partners and officers if they are held personally liable for management decisions.

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Does D&O cover subcontractor disputes?

It can - if a subcontractor alleges mismanagement, breach of contract or financial misrepresentation by directors.

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What’s the difference between D&O and Public Liability?

Public Liability covers injury or property damage caused by the business. D&O covers claims made against directors personally for decisions they make.

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