Protect your leadership team with directors and officers liability insurance.

Across industries, D&O insurance helps safeguard your highest-ranking decision makers so they can focus on leading your business forward.

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What Is Directors and Officers Liability Insurance?

Coverage can vary based on the coverage you choose, but Directors and Officers insurance typically includes:

Legal Defence Costs

Helps cover legal fees, court costs, and settlements—even for allegations that are not proven.

Employment-Related Claims

Protection against claims such as wrongful dismissal, discrimination, or harassment allegations.

Customization

Policies can be tailored to your organization’s structure and risk exposure. We’re happy to offer expert advice so you secure the right coverage for common D&O liability claims in your industry.

Management Liability Protection

Coverage for claims of alleged wrongful acts while managing or directing an organization.

Regulatory and Compliance Claims

Coverage related to investigations or actions by regulatory bodies (where insurable).

Side A, B, and C Coverage

  • Side A: Protects individual directors and officers when the company cannot indemnify them.

  • Side B: Reimburses the company when it indemnifies its directors and officers.

  • Side C: Covers the organization itself for certain claims.

DIRECTORS AND OFFICERS LIABILITY INSURANCE

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Applying for coverage is faster than most management meetings. Fill out the form, and we’ll get back to you within two business days with custom policy advice and details.

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Protect Your Leadership with Confidence

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Your leadership team makes the decisions that drive your business forward. Directors & Officers Liability Insurance helps protect those decisions and the people behind them.

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Why D&O Insurance Matters for Ontario Businesses

You may need D&O insurance if you:

  • Have a board of directors or advisors

  • Employ staff or contractors

  • Accept outside investment or funding

  • Make strategic, financial, or operational decisions

Without coverage, directors and officers may be personally responsible for legal costs, settlements, or damages.

Who Needs Directors & Officers Insurance?

D&O insurance is essential for many Ontario organizations, including:

  • Small and mid-sized businesses

  • Startups and venture-backed companies

  • Nonprofits and charities

  • Private companies with boards or investors

  • Professional firms and partnerships

If your business has leadership making decisions that impact stakeholders, D&O insurance is worth considering.

In today’s business environment, leaders face increasing scrutiny and legal exposure. In Ontario, companies of all sizes—including private businesses and nonprofits—can face lawsuits related to governance, employment practices, or financial decisions.

Why purchase D&O insurance with aha?

As a commercial insurance broker, we find you business insurance coverage that works as hard as you do, tailored to protect what matters most.

Small‑business friendly policies

We offer directors and officers liability coverage that fits the unique needs and budgets of a range of small to medium-sized businesses.

Clear, straightforward advice

We make D&O coverage simple, without sacrificing quality, so you can focus on managing your team and serving clients, not claims.

Ontario‑focused expertise

Our D&O coverage is designed for local regulations and risk, so your Ontario-based business insurance is optimized for your needs.

  • D&O insurance is not legally required, but it is strongly recommended—especially for businesses with boards, investors, or employees.

  • Yes. One of the main benefits of D&O insurance is protecting directors and officers from personal financial loss related to covered claims.

  • No. Small businesses, startups, and nonprofits in Ontario face similar risks and can benefit just as much from coverage.

  • Some employment-related claims may be covered, but broader protection often requires Employment Practices Liability (EPLI), which can be included or added.

  • Coverage limits depend on your organization’s size, industry, and exposure to risk. Many Ontario businesses start with between $1M and $5M in coverage.

Directors & Officers Insurance FAQs