D&O Insurance Premium Calculator
D&O Insurance Estimate
Annual Premium-
Monthly Equivalent-
Cover Level-
Per Director Cost-
Typical D&O Premiums by Company Size
| Company Type | £1m Cover | £5m Cover | £10m Cover |
|---|---|---|---|
| SME (under £5m revenue) | £500–£2,000 | £2,000–£5,000 | £4,000–£10,000 |
| Mid-Market (£5m–£50m) | £2,000–£8,000 | £5,000–£15,000 | £10,000–£30,000 |
| Large (£50m+) | £5,000–£15,000 | £15,000–£40,000 | £30,000–£100,000 |
| PLC / Listed | £15,000–£50,000 | £40,000–£150,000 | £100,000–£500,000 |
Key Facts
SME Average
£1,500/yr
Claims Rise
+30% YoY
Common Claim
Employment
Tax Relief
Corp Tax
Personal Liability
Unlimited
Entity Cover
Optional
How to Use This Calculator
1
Enter company revenue
Annual turnover is a primary factor in D&O premium calculation.
2
Enter total assets
The company's total asset value indicates the scale of potential claims.
3
Select your sector
Higher-risk sectors like finance and construction attract higher premiums.
4
Choose cover level
The maximum the insurer would pay for all claims in a policy year.
5
Review your estimate
See annual premium, monthly equivalent and cost per director.
Frequently Asked Questions
What does D&O insurance cover?
D&O insurance protects company directors and officers from personal liability for decisions made in their role. It covers legal defence costs, damages, settlements, and regulatory investigation costs arising from alleged wrongful acts such as breach of duty, employment claims, and regulatory breaches.
Is D&O insurance a legal requirement?
No, but it is considered essential best practice. Directors face unlimited personal liability for their decisions. Without D&O cover, directors risk losing personal assets if a claim is made against them.
Who can bring a claim against directors?
Claims can come from: employees (discrimination, wrongful dismissal), shareholders (mismanagement), creditors (wrongful trading), regulators (HSE, FCA, ICO), and competitors or third parties.
What is Side A, B and C cover?
Side A covers directors personally when the company cannot indemnify them (e.g. insolvency). Side B reimburses the company for indemnifying directors. Side C (entity cover) protects the company itself for securities claims. Most policies include all three.
Can the company pay for D&O insurance?
Yes. Companies can pay for D&O insurance and claim corporation tax relief on the premiums. This is one of the few exceptions where a company can pay for personal protection for directors without it being a benefit in kind.
What are common D&O claims?
The most common D&O claims in the UK are: employment disputes (40%), regulatory investigations (25%), breach of fiduciary duty (15%), insolvency-related claims (10%), and shareholder actions (10%).
Official Sources & References
Data verified against official UK government sources. Last checked April 2026.