Marsh D&O Diagnostic tool

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An expert-led, quantitative assessment of your directors’ protection

Today’s D&O risk environment is shaped by regulatory enforcement, complex macro challenges, and heightened stakeholder scrutiny. Many policy wordings can remain unchanged for some time and create coverage consequences, including:

Uninsured losses resulting in personal repercussions
Claims declined due to notification technicalities
Defence costs denied due to wide-ranging exclusionary language that goes beyond its intended scope.

What D&O Diagnostic does

Using Marsh’s D&O Diagnostic tool, we assess a primary D&O policy against a 20 point checklist of coverage items considered critical to director protection.

Each item is weighted by importance:

Fundamental (most critical)
Very important
Important

These weightings produce an easy-to-understand overall protection score, plus category scores across covers and triggers, extensions, exclusions, and claims and operations.

The output

A concise, board-friendly report that includes:

Overall protection score (for example, “41% — significant deficiencies across many areas”)
Priority items for discussion (gaps that materially impact protection)
Plain-English consequences of deficiencies using realistic claim scenarios

Our experts are available to discuss the entire findings during meetings, and the full diagnostic results will be shared, if Marsh is appointed to manage your D&O insurance renewal.

Next steps

Marsh’s D&O Diagnostic can be run free of charge to provide you with an independent, quantitative assessment of the robustness of your current D&O policy. This will provide reassurance or reveal items that require attention to maintain protections for your senior decision-makers.

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Report

Marsh D&O Diagnostic tool