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Protecting Your Personal Assets


The personal risks involved in holding a senior post in a UK care home business are vast. Legal and regulatory penalties are focusing more on personal accountability.

It is a common myth that limited liability status protects directors from being sued personally. It does not. Whatever the size of the company you are involved with, the potential liability can be severe, both personally and professionally.

As a director or officer, you could be liable to defend any claim brought against you. The consequences can be devastating, you could face:

Policies can also protect the company for action against litigation with the optional inclusion of claims brought by employees for alleged wrong doing by the company.

So what situations can Directors & Officers Insurance protect you? Claims can be brought for a wide range of reasons. Even if the claim is not legit you would still need help to defend it. For example:

A resident is being transported in a company vehicle, her wheelchair tipped, she banged her head and later died as a result of her injuries. Police investigated possible gross negligence and corporate manslaughter. The equipment provided to staff by the care home was found to not meet industry safety requirements, staff also had insufficient training. The director is to blame for negligence and mismanagement.

For more information on how you can protect your personal assets, speak with one of our experts on 01273 424 904 or

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