TFL Vsebine / Pravni letopis

Člani organov vodenja in nadzora družbe odgovarjajo družbi z vsem svojim premoženjem. Nastanek odškodninske odgovornosti člana organa vodenja ali nadzora je zanj riziko, ki ga je mogoče s sklenitvijo zavarovalne pogodbe proti plačilu premije prenesti na zavarovalnico. Zavarovalno zaščito za te primere predstavlja zavarovanje odgovornosti članov organov vodenja in nadzora. Takšno zavarovanje lahko sklene družba za člane organov vodenja in nadzora (korporativno zavarovanje), lahko pa ga sklene tudi posamezen član organa vodenja ali nadzora (individualno zavarovanje). S sklenitvijo korporativnega zavarovanja družba ne zagotovi zaščite le članom organov vodenja in nadzora, temveč posredno tudi sebi, za primer nastanka škode, za katero so odgovorne osebe, ki jo vodijo ali nadzirajo.

Directors and Officers of the company are liable for its negligent acts and omissions with all their personal assets. Personal liability of Directors and Officers represents a risk for them that can be transferred to the insurance company by entering into an insurance contract. The insurance protection for these cases is a Directors & Officers Liability Insurance (D&O Insurance). Such insurance may be stipulated by the company for its members of the management and control bodies (corporate D&O insurance), but it can also be concluded by individual member of such body by himself (personal D&O insurance). By concluding corporate D&O insurance, the company does not provide protection only to its members of the management and supervisory bodies, but also provides protection indirectly to itself, in case if the damage to the company is caused by the person, who is responsible for company’s management or control.

Directors & Officers Liability Insurance