Directors and Officers (D&O) Liability

Shielding Leaders from Legal & Financial Risks

Directors and Officers Liability Insurance in Thailand: Protecting Your Leadership

Corporate leaders in Thailand face increasing regulatory oversight and assertive stakeholders. Therefore, Directors and Officers Liability insurance in Thailand is now essential because a single alleged misstep can expose personal assets and corporate capital to costly litigation.

Why D&O Coverage Matters Right Now

Rising enforcement and activism

Thai regulators are tightening disclosure rules, while investor groups pursue claims when expectations are not met. Consequently, uninsured directors risk paying defense costs out of pocket.

Financial and reputational damage

A well-publicized lawsuit can depress share value, trigger credit-rating downgrades, and distract executives from strategic objectives. With the right insurance in place, leadership stays focused on growth rather than courtroom battles.

Key Sections of a Modern D&O Policy

Personal Liability
Covers defense costs and damages when the corporation is legally barred from indemnifying its directors or officers.
Corporate Reimbursement
Reimburses the company after it advances legal expenses on behalf of insured individuals.
Entity Securities Claims
Protects the organization itself against securities-related suits filed by shareholders.

In addition, many policies include investigation expenses, extradition costs, and certain civil fines where permitted by Thai law.

Optional Extensions for Emerging Risks

Because business models evolve rapidly, Lockton Wattana negotiates extensions that address:

Cyber breach response failures
Environmental, social, and governance (ESG) misstatements
Employment-practice liabilities tied to diversity or harassment
Penalties linked to personal-data violations

Each extension fits neatly under the same policy so there are no hidden coverage gaps.

How Lockton Wattana Strengthens Your Position

First, our Financial Services specialists benchmark your governance controls against Thai and global peers. Next, we design limits and retentions that align with board risk appetite and budget. After that, we leverage worldwide insurer relationships to lock in competitive pricing for multiple years when possible. Finally, we deliver board-level briefings so leaders understand policy triggers, notification duties, and best practices for risk mitigation.

Claims Advocacy: Immediate Action, Strategic Guidance

If regulators send an inquiry or plaintiffs file suit, speed is critical. For that reason, our 24 / 7 claims desk assigns a dedicated advocate within hours. The advocate coordinates counsel selection, gathers documentation, and pushes for interim payments to keep operations running. After resolution, we review lessons learned and recommend governance improvements to prevent similar exposures.