Personal liability for management and supervisory bodies has increased noticeably in recent years, not only in the DACH region. Board members, managing directors, supervisory board members and comparable decision-makers today operate in an environment of growing regulatory requirements, complex corporate structures and rising expectations from customers, investors, supervisory authorities and the public.

This development entails a significant personal liability risk. Bases for claims increasingly arise from strategic decisions, compliance breaches, organisational failures, liquidity planning or matters in connection with transactions, restructurings or situations close to insolvency. ESG topics, cyber risks and corporate due diligence duties are also moving further into focus as potential grounds for claims.

AIC develops individually structured D&O insurance solutions for this demanding risk situation that go well beyond classic standard cover. As a combination of financial loss liability and legal protection functions, D&O insurance provides comprehensive protection for insured board members – both in defending unfounded claims and in indemnifying justified compensation claims.

Our cover concepts are precisely aligned with the respective corporate structure and apply worldwide – including all majority holdings and subsidiaries. All board activities are insured as well as a wide range of typical risk situations, for example arising from organisational and supervisory duties, financial dispositions, balance sheet and tax-related issues, transactions or insolvency-related matters.

Cover regularly includes managing and supervisory bodies, their deputies and senior employees with responsibility comparable to that of a corporate body – without named notification and including defined notification periods for persons who have left.

AIC combines this structural protection with sound advice and a precise analysis of your individual risk situation. In close coordination with leading insurers, we create robust, economically optimised solutions that meet the increased demands of entrepreneurial responsibility. In the event of a claim, we support you with the necessary professional depth and ensure consistent protection of your interests – discreetly, efficiently and with a clear understanding of the particular challenges of your role.