{"id":18484,"date":"2025-11-19T08:47:31","date_gmt":"2025-11-19T08:47:31","guid":{"rendered":"https:\/\/palatina-service.com\/?page_id=18484"},"modified":"2026-06-29T08:47:23","modified_gmt":"2026-06-29T08:47:23","slug":"do-insurance","status":"publish","type":"page","link":"https:\/\/palatina-service.com\/en\/services\/do-insurance\/","title":{"rendered":"D&#038;O Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"18484\" class=\"elementor elementor-18484 elementor-16528\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f7599a1 e-con-full e-flex e-con e-parent\" data-id=\"3f7599a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5faeb339 e-con-full e-flex e-con e-child\" data-id=\"5faeb339\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b682c24 elementor-widget elementor-widget-image\" data-id=\"1b682c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung.png\" class=\"attachment-full size-full wp-image-18216\" alt=\"Employees of Palatina Versicherungsmakler GmbH.\" srcset=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung.png 1920w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung-300x169.png 300w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung-1024x576.png 1024w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung-768x432.png 768w, https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/DO-Versicherung-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c6b5f5d e-con-full e-flex e-con e-parent\" data-id=\"6c6b5f5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2f3d559 e-con-full e-flex e-con e-child\" data-id=\"2f3d559\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce4e974 elementor-widget elementor-widget-heading\" data-id=\"4ce4e974\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">D&amp;O Insurance \u2013 Protecting Against Executive Liability<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee70e52 e-con-full e-flex e-con e-parent\" data-id=\"ee70e52\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35f2664 e-con-full e-flex e-con e-child\" data-id=\"35f2664\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61a9717 elementor-widget elementor-widget-heading\" data-id=\"61a9717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Points at a Glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f143e1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f143e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Personal Liability Protection for Management, the Executive Board, and the Supervisory Board<\/li><li>Protection Against Financial Losses Resulting from Management Errors<\/li><li>Applies in cases of contributory negligence and joint and several liability<\/li><li>Protects both the company and its governing bodies<\/li><li>Customized coverage based on the company&#8217;s structure<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23c3caae e-con-full e-flex e-con e-parent\" data-id=\"23c3caae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4a92f83e e-con-full e-flex e-con e-child\" data-id=\"4a92f83e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31770539 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"31770539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why D&amp;O Insurance Is Essential<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20befa7f e-con-full e-flex e-con e-child\" data-id=\"20befa7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d5d4f43 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6d5d4f43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Executives bear far-reaching responsibilities on a daily basis. A wrong decision or a failure to take action can quickly lead to significant financial losses. In such cases, managers are liable with their personal assets, even if no personal fault can be proven.  <\/p><p>Palatina\u2019s D&#038;O insurance protects the management, executive board, and supervisory board against these risks. It covers valid claims for damages and defends against unfounded claims. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbfe809 e-con-full e-flex e-con e-parent\" data-id=\"cbfe809\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-343cfc4 e-con-full e-flex e-con e-child\" data-id=\"343cfc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcd09a0 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"fcd09a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does D&amp;O insurance cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f2e7c8 e-con-full e-flex e-con e-child\" data-id=\"8f2e7c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6df2a23 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6df2a23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The insurance covers claims made against a board member due to a breach of duty. <span style=\"font-weight: 400;\">These may include:<\/span><\/p><ul><li>Erroneous decisions or breaches of supervisory duties<\/li><li>Violations of laws, bylaws, or compliance rules<\/li><li>Inadequate risk monitoring or breaches of disclosure obligations<\/li><li>Providing false information to shareholders or government agencies<\/li><\/ul><p>This coverage applies to financial losses arising from these actions, both internally (with respect to the company) and externally (with respect to third parties).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e045fd6 e-con-full e-flex e-con e-parent\" data-id=\"e045fd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cae189e e-con-full e-flex e-con e-child\" data-id=\"cae189e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f58e75b elementor-widget elementor-widget-heading\" data-id=\"f58e75b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is covered?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98f0714 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"98f0714\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This protection applies to all individuals who hold management responsibilities, including the executive board, board of directors, supervisory board, advisory board, and authorized signatories. Former members of these bodies are also included. <\/p><p>Companies can purchase D&#038;O insurance for their officers and directors to protect them in the event of liability claims while also safeguarding their own reputation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f77cc3 e-con-full e-flex e-con e-parent\" data-id=\"2f77cc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1fd1993 e-con-full e-flex e-con e-child\" data-id=\"1fd1993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a42c5f elementor-widget elementor-widget-heading\" data-id=\"3a42c5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Typical Claims<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-502cfb9 e-con-full e-flex e-con e-child\" data-id=\"502cfb9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e567c66 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e567c66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In practice, many D&#038;O claims arise from:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b97fe6d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b97fe6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>late filing for bankruptcy<\/li><li>poor investment decisions<\/li><li>breach of contract<\/li><li>Violations of data protection or environmental regulations<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba86cde e-con-full e-flex e-con e-child\" data-id=\"ba86cde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4af57d8 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4af57d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our Palatina analyzes such risks on a case-by-case basis and tailors the coverage to the company\u2019s structure. This prevents management errors from becoming an existential threat. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26250bf e-con-full e-flex e-con e-parent\" data-id=\"26250bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7894592 e-con-full e-flex e-con e-child\" data-id=\"7894592\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30c866d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"30c866d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Internal and External Liability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d7f5b8 e-con-full e-flex e-con e-child\" data-id=\"8d7f5b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9148f85 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9148f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In the case of internal liability, the company itself asserts claims against its management\u2014for example, if a decision has caused financial damage.<br\/>In the case of external liability, third parties, such as insolvency administrators or government agencies, file lawsuits seeking damages.<\/p><p>In both cases, our Palatina\u2019s D&#038;O insurance covers the investigation, defense, or settlement of claims\u2014including attorneys\u2019 fees and court costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048a82e e-con-full e-flex e-con e-parent\" data-id=\"048a82e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9e3f6db e-con-full e-flex e-con e-child\" data-id=\"9e3f6db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56a0bb9 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"56a0bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recourse and Joint and Several Liability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-767ff57 e-con-full e-flex e-con e-child\" data-id=\"767ff57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a791b7 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"9a791b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is common for claims to be brought against several members of a corporate body jointly. Under Section 93 of the German Stock Corporation Act (AktG) and Section 43 of the German Limited Liability Companies Act (GmbHG), they are jointly and severally liable. This means that each is fully liable until the total damages have been paid in full.  <\/p><p>Our Palatina\u2019s D&#038;O insurance protects against this financial burden, covers the insured person\u2019s share of the costs, and ensures a fair distribution of costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e8fe16 e-con-full e-flex e-con e-parent\" data-id=\"6e8fe16\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ed3d8cd e-con-full e-flex e-con e-child\" data-id=\"ed3d8cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d102b3 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1d102b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How is the premium calculated?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff3a5a1 e-con-full e-flex e-con e-child\" data-id=\"ff3a5a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35540ba elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"35540ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The premium amount is based on revenue, industry, number of employees, and the desired coverage amount.<br\/>A precise risk analysis is essential to avoid over- or underinsurance. Our Palatina team will assist you in evaluating all relevant factors and provide you with a transparent quote. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70db7c26 e-con-full e-flex e-con e-child\" data-id=\"70db7c26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1c618467 e-con-full e-flex e-con e-child\" data-id=\"1c618467\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-337eded elementor-widget elementor-widget-heading\" data-id=\"337eded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs on D&amp;O Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca46f8c e-con-full e-flex e-con e-child\" data-id=\"ca46f8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56efd28 elementor-widget elementor-widget-n-accordion\" data-id=\"56efd28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9110\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9110\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is D&amp;O insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9110\" class=\"elementor-element elementor-element-98fce80 e-con-full e-flex e-con e-child\" data-id=\"98fce80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9110\" class=\"elementor-element elementor-element-0364a59 e-flex e-con-boxed e-con e-child\" data-id=\"0364a59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-200c777 elementor-widget elementor-widget-text-editor\" data-id=\"200c777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D&#038;O stands for \u201cDirectors and Officers.\u201d This insurance protects a company\u2019s executive officers from personal liability in the event of a breach of duty. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9111\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9111\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Who should purchase D&amp;O insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9111\" class=\"elementor-element elementor-element-5c6f643 e-con-full e-flex e-con e-child\" data-id=\"5c6f643\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9111\" class=\"elementor-element elementor-element-f4f664b e-flex e-con-boxed e-con e-child\" data-id=\"f4f664b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf117c elementor-widget elementor-widget-text-editor\" data-id=\"4cf117c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It is recommended for limited liability companies (GmbHs), stock corporations (AGs), associations, foundations, and organizations with a management board or supervisory board.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9112\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9112\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does D&amp;O insurance also cover intentional acts? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9112\" class=\"elementor-element elementor-element-0e57ef6 e-con-full e-flex e-con e-child\" data-id=\"0e57ef6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9112\" class=\"elementor-element elementor-element-40395a0 e-flex e-con-boxed e-con e-child\" data-id=\"40395a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee41e94 elementor-widget elementor-widget-text-editor\" data-id=\"ee41e94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Intent and criminal acts are generally ruled out. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9113\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9113\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much should the coverage amount be? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9113\" class=\"elementor-element elementor-element-36dec4e e-con-full e-flex e-con e-child\" data-id=\"36dec4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9113\" class=\"elementor-element elementor-element-a0f57e6 e-flex e-con-boxed e-con e-child\" data-id=\"a0f57e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f88ab0d elementor-widget elementor-widget-text-editor\" data-id=\"f88ab0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on the size of the company and its risk profile. Amounts between one and five million euros are typical. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9114\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9114\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can D&amp;O insurance take effect retroactively? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9114\" class=\"elementor-element elementor-element-abe5da9 e-con-full e-flex e-con e-child\" data-id=\"abe5da9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9114\" class=\"elementor-element elementor-element-7b7d718 e-flex e-con-boxed e-con e-child\" data-id=\"7b7d718\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64e64f6 elementor-widget elementor-widget-text-editor\" data-id=\"64e64f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, through what is known as retroactive coverage\u2014when the loss is not discovered until later, but the incident occurred during the insured period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37bd833 e-con-full e-flex e-con e-parent\" data-id=\"37bd833\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-027c384 e-con-full e-flex e-con e-child\" data-id=\"027c384\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0d07c40 e-con-full e-flex e-con e-child\" data-id=\"0d07c40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a0d22e8 e-con-full e-flex e-con e-child\" data-id=\"a0d22e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3a7031 elementor-widget__width-inherit elementor-widget elementor-widget-witr_section_team\" data-id=\"f3a7031\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"witr_section_team.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"team-part all_color_team witr_team_s11ar \">\n\t\t\t\t<div class=\"witr_team_section witr_team_s11a\">\n\t\t\t\t\t<!-- image -->\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/palatina-service.com\/wp-content\/uploads\/2026\/02\/palatina-team-bas.png\" alt=\"\">\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"team_overlay_icon all_team_icon_o_color\">\n\t\t\t\t\t\t<!-- icon -->\n\t\t\t\t\t\t<a href=\"\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t<!-- subtitle -->\n\t\t\t\t\t\t\t\t\t\t<div class=\"witr_team_s11\">\n\t\t\t\t\t\t<span>Master of Laws (LL.M.)<br><br>\n<b>Position:<\/b> Senior Advisor, Account Manager for Corporations and Corporate Groups  <br><br>\nPhone 06233 51190-23  <br>\nmesut.bas@palatina-service.com <\/span>\t\n\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div> <!-- team sec -->\n\t\t\t\t<div class=\"witr_team_content witr_team_s11t all_content_bg_color text-center\">\n\t\t\t\t\t<!-- title -->\n\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t<h5><a href=\"mailto:mesut.bas@palatina-service.com\">Mesut Bas<\/a><\/h5>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t<\/div> <!-- team conten -->\n\t\t\t<\/div>\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40852bd e-con-full e-flex e-con e-child\" data-id=\"40852bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5300827 elementor-widget elementor-widget-text-editor\" data-id=\"5300827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Personalized advice. Individualized support. <\/h2><p>If you <b>\u2019re looking for <\/b>a reliable partner for all your <b>D&#038;O insurance needs <\/b>, <strong>Mesut Bas<\/strong> is here to provide expert guidance. Together, we\u2019ll analyze your specific needs and develop tailored solutions\u2014transparent, easy to understand, and on equal footing. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a228d0c e-flex e-con-boxed e-con e-parent\" data-id=\"6a228d0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-507f83c7 e-con-full e-flex e-con e-child\" data-id=\"507f83c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdec24d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4bdec24d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Talk to us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74082ad9 elementor-widget elementor-widget-text-editor\" data-id=\"74082ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"color: #ffffff;\">At Palatina, we\u2019re committed to providing personalized service\u2014and that starts with your very first contact. Whether you have a specific inquiry or would simply like to learn more with no obligation, we\u2019ll take the time to address your needs and work with you to find the best way to move forward. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a0b476 attorna-star-rating--align-center attorna-star-rating--align-center elementor-widget elementor-widget-witr_section_button\" data-id=\"11a0b476\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"witr_section_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- area -->\n\t\t\t<div class=\"witr_button_area\">\n\n\t\t\t\t\t\t\t\t<!--  post meta -->\n\n\n\t\t\t\t\t\t\t\t\t<!-- btn default style -->\n\t\t\t\t\t<div class=\"witr_btn_style mr\">\n\t\t\t\t\t\t<div class=\"witr_btn_sinner\">\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@palatina-service.com\" class=\"witr_btn\">Get in touch\t\t\t\t\t\t\t\t\t\t\t<!-- icon -->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pluse_btn_icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa-envelope-o\"><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\n\n\n\n\t\t\t<\/div>\n<!-- end area -->\n  \n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>D&amp;O Insurance \u2013 Protecting Against Executive Liability Key Points at a Glance Personal Liability Protection for Management, the Executive Board, and the Supervisory Board Protection Against Financial Losses Resulting from Management Errors Applies in cases of contributory negligence and joint and several liability Protects both the company and its governing bodies Customized coverage based on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":15344,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-18484","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D&amp;O Insurance \u2013 Protection for Board Members &amp; Management | Palatina<\/title>\n<meta name=\"description\" content=\"Protect your management and corporate bodies from personal liability risks\u2014with our Palatina\u2019s D&amp;O insurance.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, 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