Directors and Officers Liability Insurance

Our comprehensive policy with AVIVA insurance provides Directors and Officers Liability Insurance AND Corporate Legal Liability, giving your Directors and your Company the protection you need.

As an Officer of a Residents’ Management Company, you have many legal responsibilities and may be held personally liable for any decisions or actions taken whilst working in your position as a Director or Officer. Here at Residentsline, we recommend taking out Directors’ Liability Insurance to protect yourself and any other Directors or Officers against the cost of potential compensation claims against any alleged wrongful acts.

What is Directors and Officers Liability Insurance?

Directors and Officers Liability Insurance protects Directors and Officers against the costs of potential claims for any alleged wrongful acts.

Click here to view our AVIVA Directors & Officers Liability Insurance Summary of Cover

What is Corporate Legal Liability Insurance?

It protects your Residents’ Management Company against the financial consequences of potential claims. Our Corporate Liability Insurance policy cover includes the cost of defence, as well as the amount of awards and damages resulting from any claims made against the Company. Our AVIVA Legal Liability Insurance policy automatically includes an indemnity limit of £100,000, within the premiums shown below. However, if you would like quotes on alternative limits of indemnity, please call us on 0800 281235 or visit our online ‘quote and buy’ facility at

Limit of Indemnity £100,000 £250,000 £500,000 £1,000,000 £2,000,000 £5,000,000
0-10 flats £95.76 £111.72 £175.57 £235.20 £340.48 £610.60
11-25 flats £100.80 £117.60 £138.60 £252.00 £358.40 £756.22
26-50 flats £123.20 £151.20 £200.26 £274.40 £425.60 £812.90
51-75 flats £137.08 £177.63 £219.74 £305.31 £479.58 £899.36
76-100 flats £147.61 £191.07 £236.99 £329.28 £517.44 £970.82
101-150 flats £159.26 £205.41 £252.22 £352.35 £556.42 £1,038.69
151-200 flats £169.79 £218.85 £270.59 £376.32 £592.03 £1,114.40
201-250 flats £180.32 £232.29 £288.06 £387.15 £629.66 £1,171.97

Examples of potential claims:

Tenants of a block of flats brought legal action against the Residents’ Management Company for failing to appoint a building company in a timely fashion. The external brickwork of the building needed reparation, as damage had been caused following a heavy rainstorm. This had been reported to the committee, however, repair work had not been commenced several months later when a subsequent rainstorm caused further damage.

A Residents’ Management Company faced an allegation of wrongful termination after it fired an employee for gross misconduct.

A Residents’ Management Company Director faced being sued as a result of a property being devalued following their decision to paint the exterior of the building an unusual colour.

A director of a property owning company breached his authority by appointing a family member’s company to undertake work on their behalf. Proceedings were issued by the claimant for non-payment of fees of £42,000 following cancellation of the contract.

Click here to view our Directors and Officers Liability Insurance download

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