Future Generali Directors & Officers Insurance

Future Generali Directors & Officers Liability Insurance is designed to extend all-around protection to company leaders against legal liabilities resulting from their managerial decisions and actions.

₹3 Crore insurance cover starting at ₹23,600/year⁺

Protect the board members of your company against

professional error

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24/7 claim support
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Features of Future Generali Directors & Officers Insurance

Here are the key highlights of the policy:

Employment Practice Claims: The policy covers claims related to employment practices, such as wrongful dismissal, discrimination, or harassment.
Discovery Period: The policy allows for a discovery period. It is an additional time provided after the end of the policy. During this period, you can still file a claim, provided the wrongful act occurred within the policy period.
Worldwide Coverage: It covers claims filed anywhere in the world, subject to Indian law and jurisdiction.
Automatic Cover for New Subsidiaries: If your company acquires or creates a new subsidiary during the policy period, the directors of that subsidiary are automatically covered under the policy.

Future Generali Directors & Officers Insurance Inclusions

Future Generali Directors & Officers Insurance covers the following scenarios under the policy:

Directors and Officers Liability: It covers losses from liabilities against insured individuals for wrongful acts in their capacity as directors, officers, or employees.
Company Reimbursement: The policy reimburses the company for losses when it compensates insured individuals for claims related to wrongful acts.
Defence Costs: It pays for the necessary legal fees and expenses incurred by the company.
Outside Directorships: Future Generali Directors & Officers Insurance extends protection to insured individuals acting as directors or equivalent positions in outside entities at the company's request.
Heirs, Estates, and Legal Representatives: It protects the estates and legal representatives of insured individuals in the event of death, incompetency, insolvency, or bankruptcy.

Disclaimer: This is not a complete list. Please read the policy wording carefully for full details on all inclusions.

Future Generali Directors & Officers Insurance Exclusions

Future Generali Directors & Officers Insurance does not cover the following scenarios:

Claims arising from known wrongful acts: Any claim arising out of, based upon, or attributable to any wrongful act or circumstance that was known prior to the policy inception is not covered.
Fraudulent or Dishonest Acts: The policy excludes any loss arising from the policyholder's fraudulent, dishonest, or criminal act.
Personal Advantage: Any loss arising from an insured gaining personal profit or advantage to which they were not legally entitled.
Pollution: The policy does not cover claims related to the release or spread of pollutants, whether it is actual, claimed, or even just a threat.

Disclaimer: This is not a complete list. For full details on all exclusions, please refer to the policy wording.

Future Generali Directors & Officers Insurance Claim Process

Here is how the claim process works:

Notification: Provide written notice to Future Generali as soon as possible during the policy period or the discovery period.

Details: Include every detail related to the claim, including dates and persons involved.
Documentation: Submit all the required documents according to the document checking provided by your insurance provider.
Inspection: Then, Future Generali will verify your claim and documents.
Settlement: If approved, the claim amount will be reimbursed.

Note: Get the written consent of Future Generali before incurring any defence costs. Do not admit liability or settle any claim without Future Generali's prior written consent.

Future Generali Directors & Officers Insurance: FAQs

1. Who is considered an 'insured' under Future Generali Directors & Officers Insurance?

Ans: Any individual who is a current, former, or future director, officer, or employee of the company.
2. What is a wrongful act?

Ans: A wrongful act means anything wrong or careless a director or officer is accused of doing at work, such as making a mistake, missing something important, giving wrong or confusing information, or not doing their job properly.
3. Does the policy cover pollution-related claims?

Ans: No, claims arising from the actual, alleged, or threatened discharge, dispersal, release, or escape of pollutants are excluded from policy.
4. What is the Severability Clause?

Ans: It means that the knowledge or actions of one insured person do not affect the coverage of other insured persons under the policy.
5. Is cyber liability covered under Future Generali Directors & Officers Insurance?

Ans: No, this policy is focused on managerial decisions and wrongful acts. For cyber liability coverage, you need to purchase a separate Cyber Security Insurance Policy.

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