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Trustees, Directors and Officers Insurance

Members of your board or management committee carry ultimate responsibility for the organisation. They can be sued in their individual capacity as Trustees, Directors or Committee members for any wrongful act – for example a breach of duty or trust. Many trustees will insist on the security of a Trustees, Directors and Officers (“TDO”) insurance policy. The policy will protect the members of your board or management committee – whether they’re called trustees, committee members or directors.

The AdviceUK TDO policy covers: the cost of any claim made against an individual for any wrongful act committed in the role of trustee, director or officer. The complete definition of a wrongful act is contained in the policy wording but can be summarised as an actual or alleged breach of duty, breach of trust, misstatement, misrepresentation, omission or breach of warranty of authority, libel or slander. The policy will cover the costs of defending any accusation of a wrongful act.

The AdviceUK TDO policy also has a number of key additional extensions including cover for: representation at investigations, outside entity directors, retired directors and crisis management costs.

To access TDO cover through AdviceUK, you must be either a Subscriber or Network Member. If you are a Subscriber Member, you can only apply for the AdviceUK TDO policy if you have AdviceUK PII cover in place. For any assistance in this regard, please contact us for more information.


To apply for AdviceUK TDO Insurance you will need to register to become and AdviceUK member using the form below.

We offer two types of membership:

  • Network membership – for more information about benefits, discounts and membership fee please visit our Network Membership page.
  • Subscriber membership (free – this is to enable you to purchase insurance products from us)

Please note: This link will take you to the AdviceUK portal. If you do not have an account, there is an opportunity to register on the login page, simply select the ‘Don’t have an account?’ link below the Login button.