Our dedicated team of specialists can provide a wide range of covers for quoted companies on all markets, including AIM, AQSE and for Full LSE Listings.
We also work closely with specialist advisors, including solicitors, accountants, Nomads and industry bodies, to help them give their clients and members essential insurance advice.
We assist professional advisors in key areas relating to Directors & Officers (D&O) Insurance and Prospectus Liability. Additionally, we can assist with:
Prospectus cover for Initial Public Offerings (IPOs) and further placements either standalone or part of the directors and officers policy
Worldwide Group Business Travel Insurance protecting all directors, employees and consultants
Employers' and Public Liability for both UK and overseas risks
Employment Practices Liability
Cover for the listed company’s property assets
Warranty and Indemnity Insurance to assist with mergers and acquisitions
Kidnap and Ransom Protection for directors and key staff
Crime cover
Cyber cover
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Find more information from our knowledgeable professionals in these downloadable documents.
Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.
We offer broad and bespoke sector specialist insurance solutions for peace of mind.
In recognition of our commitment to maintaining the highest standards of knowledge, ethical practice and guidance.
We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients.
“Phoenix Copper was delighted to renew its D&O insurance through the Clear Group. As last year the service was prompt and efficient, and they took the trouble to properly understand our business before obtaining quotes. As a result, I believe we are paying a very competitive premium within the context of the mining sector as a whole. We look forward to working with them again next year.”
Phoenix Copper Ltd
‘We have just renewed our Directors’ and Officers’ Insurance with Clear. In what evidently is a difficult market, it has been a seamless process with first rate communication, plenty of notice and all in all, a flawless procedure.’
Great Southern Copper Plc
“We have worked with Clear Insurance for over 10 years who act as the key insurance broker/advisor for our clients who include LSE and AIM listed companies. We have always found their advice and assistance to be of the highest standard. Recently they have been instrumental in assisting newly listed clients in acquiring D&O insurance in an increasingly challenging market without compromising in cost or coverage.”
Westend Corporate LLP
“Clear have looked after our D&O insurance for several years. Despite the difficult markets they’ve done a great job on renewals, their service is excellent”
Mobile Streams Plc
'Thorough and timely guidance during the renewal process, both in terms of coverage to suit our changing needs and in reducing the premium.'
GreenRoc Strategic Materials Plc
Any company buying Directors & Officers Insurance needs to examine whether a small premium saving each year is worth the risk of having cover that won’t respond when they need it most. We have worked with the Quoted Companies Alliance to prepare a useful briefing document outlining the main considerations, which you can download below.
You should carefully consider your exposure when selecting an indemnity limit and remember that the limit will include defence costs which are very often higher than the actual claim. Factors that need to be taken into account include market cap, amount raised in placings within the last six years, the volatility of the share price and shareholder structure.
Most ‘standard’ Directors & Officers for private policies will exclude both IPOs and share placements unless notified. Our usual guidance for new policies is that all existing placings be included within the policy with allowance for future placings up to a set threshold. The ‘free’ threshold for future placings would depend on the market cap of the company at the time of inception. Future raisings above the threshold can usually be covered subject to insurers review and an additional premium based on the amount raised. It is important to understand the limitations of cover in this area, so make sure you ask your broker to explain how your policy works.
No, almost every policy will cover every retired, past, current and future director of the company (subject to the terms and conditions of the policy).
In most circumstances, yes. You should ensure any subsidiary company meets insurers' definition of ‘Subsidiary’, and this is usually greater than 50% ownership or control. Be wary of subsidiary companies in countries where you must have a local policy in place (and cannot rely on the parent policy), such as Switzerland, Brazil and India. If you are in any doubt, specifically raise the question with your insurance broker.
In most cases, yes. But be sure to look out for specific exclusions (such as USA or North American Exclusions), which would remove cover in total for those countries. Again, in countries where you have subsidiaries you need to be careful to check whether local policies are required, such as India, Brazil and Switzerland.
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