Janardhan NA recent breach of 16 billion login credentials underscores the importance of cybersecurity and the need for robust insurance to protect against such attacks.
It is alarming how the personal liability exposure of directors and key decision-makers is at risk.
Today, cyber threats are becoming increasingly complex, threatening $10.5 trillion to the global economy. Balbix quoted, “If you can’t afford security, you can’t afford a breach.”
Considering this, a cost-effective Directors and Officers (D&O) Liability Cyber Insurance has surely become essential.
But which providers truly offer the right coverage? Which ones go beyond paperwork to support executives in real cyber events or board-level disputes?
To simplify this, we have compiled a list of the top D&O Insurance Providers for all industry sectors and sizes.
Look at our top recommendation
Mitigata D&O Insurance – Comprehensive protection for executives against legal liabilities, safeguarding their personal assets in the intricate world of business.
Expertise in:
- 24/7 breach support for board-level reputational risks
- Seamless onboarding for both SMEs and large corporations
- Specializing in tech, fintech, healthcare, and D2C startups
- Offering consulting + insurance
- Making risk mitigation part of the package
Mitigata: Leading D&O Insurance Service Provider
If you are a high-growth business or tech-first company, Mitigata’s D&O insurance should be your top priority. Understanding the complexities of corporate governance, Mitigata secures against legal liabilities and sensitive data loss.
Primary Features
- Dedicated Crisis Management and Legal Advisory Team
- Real-time alerts for incidents impacting executives
- Full integration with Cyber Risk Assessment and Brand Monitoring tools
- Customizable policies for C-Suite, Board of Directors, Founders, and Advisors
- D & O Liability Insurance with built-in cyber breach cover
With an active client base in 15+ countries, Mitigata is known for its global reach. Become a part of an expanded serviceable reach across APAC, MENA, and EU.
Added offerings:
- Public Relations Management (reputation protection post-incident)
- VC-Backed Startup Protection rider
- Insider risk tracking via the Mitigata Console
- Executive wellness & phishing simulation bundles
Why Choose Mitigata For D&O Insurance?
If you’re looking for a provider that understands both cyber and management threats, Mitigata is your answer.
We don’t just sell a policy; we help you avoid needing it with top-notch risk assessment.Ideal for modern, digital-first businesses that want more than just paper protection.
Mitgata's D&O Liability Insurance Starts at ₹10,000/Yr*
1. HDFC ERGO
HDFC ERGO’s D&O Liability Insurance is designed to be both affordable and comprehensive, giving directors peace of mind with industry-leading coverage. The policy advances defense costs upfront and ensures protection extends to family members and estates.
Key Highlights
- Built-in extensions like spousal and estate coverage
- Automatic coverage for new subsidiaries from day one
- Management liability & indemnification protection
- Non-profit outside directorship liability
Protect your directors with HDFC ERGO D&O coverage and Mitigata’s expert risk advisory.
2. ICICI Lombard
ICICI Lombard’s D&O Insurance is built on financial strength and expertise, offering directors and officers robust protection backed by quick claims settlement and advisory support. It shields both individuals and organizations from rising workplace and governance risks.
Key Highlights
- Dedicated risk advisory and safety services
- Covers claims when the company cannot indemnify directors
- Employment Practices Liability (EPL) coverage for workplace misconduct, harassment, or discrimination
- Speedy and simple claims process
Unlock ICICI Lombard’s D&O protection with Mitigata’s compliance expertise and claim support.
3. Iffco Tokio
Iffco Tokio’s Individual D&O Insurance protects directors and key personnel at a personal level, securing their wealth and reputation across multiple roles. It offers flexibility for those serving on different boards and ensures high-value legal costs are covered.
Key Highlights
- Personal asset and liability protection for directors
- Coverage for penalties and damages from management decisions
- Legal defense and representation cost coverage
- Protection for up to 3 directorships in one policy
Pair Iffco Tokio D&O Insurance with Mitigata’s proactive risk monitoring. Talk to our advisors and protect your boardroom today!
4. SBI General
SBI’s D&O Insurance ensures strong institutional protection, covering past, present, and future directors, along with their families. It also offers a range of add-on covers to customize risk protection for evolving business needs.
Key Highlights
- Organization reimbursement and indemnity cover
- Coverage extends to heirs, estates, and spouses
- Add-ons like Pollution Defence, Crisis Communication, and Risk Management
- Automatic inclusion of new subsidiaries
Safeguard executives with SBI General’s D&O plan, enhanced by Mitigata’s seamless policy management.
Get Tailored D&O Cyber Insurance Starts at ₹10,000/Yr*
Designed for advanced digital enterprises, covering founders to board members.
5. Kotak Zurich (D&O Protect Plus)
Kotak Zurich’s D&O Protect Plus offers customizable, entity-wide coverage, protecting directors’ personal assets while giving businesses flexibility to set liability limits. It’s designed for public, private, and non-profit entities, with clear claim procedures.
Key Highlights
- Comprehensive protection against negligence & fiduciary breaches
- Legal defense costs and settlement coverage
- Personal asset safeguarding for directors and officers
- Flexible liability limits with structured claim handling
Get Kotak Zurich D&O cover with Mitigata’s strategic risk insights and expert brokerage support.
7. Raheja QBE
Raheja QBE’s D&O Insurance delivers broad-spectrum protection for leaders, covering everything from mismanagement to health & safety investigations. With automatic extensions and company reimbursement, it ensures complete peace of mind for corporate decision-makers.
Key Highlights
- Wrongful acts protection (mismanagement, breach of duty, misstatements)
- Company reimbursement for indemnified directors
- Extensions for employment practices, health & safety, and IP issues
- Emergency costs cover urgent investigations or claims
Protect your leadership from emerging risks with Raheja QBE D&O Insurance, backed by Mitigata’s expertise.
8. TATA AIG
TATA AIG’s unrivalled claims handling blends international power with strong local understanding to defend corporate leadership across different business landscapes.
Primary Features:
- Defence cost advancement and the right to defend
- Comprehensive coverage including retired directors and outside directorships
- Employment Practices Liability (EPL) and regulatory crisis response cover
- Coverage for heirs, estates, and legal representatives
- Preferred underwriter for corporate liability coverage
Get peace of mind with TATA AIG coverage, backed by Mitigata’s value-added risk monitoring and personalized support.
9. Liberty General
Liberty General’s D&O Insurance provides wide-ranging liability protection, advancing defense costs and extending coverage beyond just directors to subsidiaries, outside boards, and even heirs. Its flexibility makes it a strong safety net for complex organizations.
Key Highlights
- Personal liability cover with defense cost advancement
- Employment Practices Liability & Regulatory Crisis Response
- Subsidiary, outside directorship, and retired directors are covered
- Protection extends to heirs, estates, and legal representatives
Shield your directors with Liberty General D&O and Mitigata’s optimized brokerage services.
Reliance General
Reliance’s D&O Insurance delivers end-to-end coverage for directors, officers, and the entity itself, securing them from governance failures, shareholder claims, and employment disputes. It’s built to adapt to modern corporate risks, including M&A scenarios.Key Highlights
- Legal defense costs, settlements, and judgments covered
- Protection for individuals and the company (Entity Coverage)
- EPL coverage for workplace claims like harassment or termination
- Coverage for governance, securities, and M&A-related risks
Reliance D&O Insurance with Mitigata ensures full protection and hassle-free claims.
Don't Let a Cyberattack Bankrupt Your Board in 2025
Your Cheat Sheet for Best Decision Making
| Domain | Recommended Provider |
|---|---|
| Tech Startup with Cyber Exposure | Mitigata |
| Publicly Listed MNC | Chubb / AIG |
| Indian Mid-sized Company | Tata AIG / Bajaj Allianz |
| Multinational Logistics | Zurich |
| Cybersecurity-Heavy Ops | Beazley / Coalition |
Ready to Secure your Reputation and Data?
This reminds us of another quote of Balbix, “Security isn’t something you buy, it’s something you do, and it takes talented people to do it right.” Mitigata offers a team of absolutely talented people to secure your business.
Get tailored D&O Cyber Insurance designed for advanced digital enterprises, covering founders to board members.
FAQ’s on Top 10 D & O Insurance Providers
Q1. Who are the top 10 D&O cyber insurance providers in 2025?
The leading D &O cyber insurance providers in 2025 include: Mitigata, Chubb, AIG, Hiscox, Travelers, AXA XL, Zurich, Beazley, Liberty Mutual, HDFC ERGO (India) & Tata AIG (India).
Each insurance policy offers unique cyber and executive liability bundles tailored to C-level risk profiles.
Q2. Which company offers the best D&O cyber insurance for startups and SMEs?
Mitigata is an ideal cyberinsurance solution for startups and SMEs. They offer scalable cyber and D&O bundles with affordable premiums. Also, get breach response services and tailored protection covered for companies in every sector.
Q3. Which D&O cyber insurance company is best for large enterprises?
Mitigata and AIG are preferred by large enterprises due to their global underwriting capabilities. Their policies include higher limits along with extensive cyber breach mitigation and response services.
Q4. Is D&O cyber insurance available in India?
Yes, top Indian insurers like Mitigata, HDFC ERGO, and Tata AIG offer D&O insurance. As an Indian business owner, now you can meet both regulatory and board-level requirements. These policies are often bundled under corporate liability packages.
Q5. What does a typical D&O cyber insurance policy cover?
A typical policy covers– Data breach liabilities, Legal costs from executive decisions, regulatory investigations, reputational harm, shareholder lawsuits, and much more.
Q6. Which insurer offers the fastest claims process for D&O insurance?
Mitigata is known for its swift claims settlement, breach notification support, and a dedicated cyber incident response team that reduces downtime and executive exposure.
Q7. Can I customize D&O cyber insurance based on industry?
Yes, most providers like Mitigata, AXA XL, and Liberty Mutual offer industry-specific add-ons for sectors like fintech, healthcare, and IT, ensuring tailored executive risk coverage.
Q8. How do I choose the right D&O cyber insurance provider?
Compare providers based on: Coverage limits and exclusions, cyber incident response support, board-level liability protection, regulatory compliance add-ons, and Industry expertise. Although, at the end it’s on you to choose your preferences based on the priorities for your business.
akshit k