# Directors and officers (D&O)

URL: https://insurancelawestonia.ee/tags/directors-and-officers/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> A selection of pages on this site that deal with Directors and officers (D&O) (28 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Directors and officers (D&O)".

- [AI risk insurance in Estonia: silent and affirmative cover](https://insurancelawestonia.ee/guides/ai-risk-insurance-estonia): How PI, product liability, cyber, crime, D&O and property wordings respond to AI losses under Estonian law; AI exclusions and EU dates.
- [Avoiding coverage gaps in a cyber, crime and D&O programme](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-gaps): Coordinating policies, harmonising definitions, the roles of broker and lawyer, documentation and a model coverage matrix to avoid gaps.
- [Baltic public cyber incidents and management liability cases](https://insurancelawestonia.ee/specialty-lines/handbook/cases/baltic-incidents): Publicly known cyber incidents and management liability cases in Estonia, Latvia and Lithuania as neutral facts, and the insurance law questions.
- [Blog: Estonian insurance law insights](https://insurancelawestonia.ee/blog): Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers.
- [Crime and fidelity claims in Estonia: payment and employee fraud](https://insurancelawestonia.ee/guides/crime-fidelity-claims-estonia): Invoice fraud, CEO fraud, social engineering and employee theft under Estonian law: bank liability for payments, recovery.
- [Cyber claims in Estonia: NIS2, GDPR, ransomware and insurance](https://insurancelawestonia.ee/guides/cyber-claims-estonia): Cyber incidents in Estonia: Cybersecurity Act (NIS2) duties, GDPR claims, ransomware payments and sanctions.
- [Cyber insurance and NIS2 in Estonia: what changed in 2026](https://insurancelawestonia.ee/blog/2026-11-02-cyber-insurance-nis2-estonia): Estonia's Cybersecurity Act (NIS2): board responsibility, 24/72-hour reporting, fines, and how they affect cyber and D&O policies governed by Estonian law.
- [Cyber, crime and D&O insurance case studies](https://insurancelawestonia.ee/specialty-lines/handbook/cases): International coverage disputes, insurers' published claims examples and public Baltic incidents in cyber, crime and D&O insurance.
- [Cyber, crime and D&O insurance: interplay and boundaries](https://insurancelawestonia.ee/specialty-lines/handbook/cyber-crime-d-and-o-interaction): Which policy covers which loss, where the grey areas lie and how a loss can fall between cyber, crime and D&O policies under Estonian law.
- [Cyber, crime and D&O risk and claims handbook (Estonia)](https://insurancelawestonia.ee/specialty-lines/handbook): Handbook on cyber, crime and D&O risks in Estonia: integrated programmes, coverage gaps, incident response, notification, claims and disputes.
- [D&O case studies: data breaches, investor claims and limits](https://insurancelawestonia.ee/specialty-lines/handbook/cases/d-and-o-cases): International D&O cases: Equifax, Yahoo, Boeing, Volkswagen, Wirecard, Petrobras, Fortis, climate litigation and insurers' claims examples.
- [D&O claims counsel in Estonia for insurers and directors](https://insurancelawestonia.ee/services-for-insurers/d-and-o-claims): D&O claims in Estonia: director liability under ÄS and TsÜS, trustee and creditor claims, NIS2 duties, defence costs, allocation.
- [D&O claims in Estonia: director liability and insurance](https://insurancelawestonia.ee/guides/d-and-o-claims-estonia): Liability of Estonian management and supervisory board members, creditors' and trustees' claims, insolvency duties, limitation.
- [D&O insurance in Estonia: director liability after leaving office](https://insurancelawestonia.ee/blog/2026-09-29-d-and-o-insurance-estonia-director-liability): Estonian director liability (ÄS § 187), reversed burden of proof, creditor claims, limitation and what D&O underwriters and claims teams should know.
- [D&O, cyber, crime, liability and war-risk claims in Estonia](https://insurancelawestonia.ee/specialty-lines): Counsel for insurers writing D&O, liability, crime, cyber and war risks into Estonia and the Baltics: investigations, representation, expert opinions.
- [Guides to Estonian insurance law for foreign insurers](https://insurancelawestonia.ee/guides): Practical guides on Estonian insurance claims for insurers, Lloyd's syndicates, MGAs, brokers and TPAs: motor, liability, financial lines, disputes.
- [Insolvency of a policyholder or tortfeasor in Estonia](https://insurancelawestonia.ee/guides/insolvency-of-policyholder-or-tortfeasor): What happens to insurance when a policyholder, insured or tortfeasor goes bankrupt in Estonia: claims filing, injured party priority, cancellation, D&O.
- [Integrated insurance programmes: limits, layers and overlaps](https://insurancelawestonia.ee/specialty-lines/handbook/integrated-programmes): An integrated programme: primary and excess layers, per-claim and aggregate limits, sub-limits, overlaps and the wrong clause in the wrong place.
- [International case law: liability insurance and defence costs](https://insurancelawestonia.ee/international-insurance-case-law/liability-insurance-and-defence-costs): 17 decisions of foreign courts on liability insurance and defence costs: summaries, paragraphs and links.
- [Investigations and expert opinions for insurers in Estonia](https://insurancelawestonia.ee/services-for-insurers/investigations-and-expert-opinions): Fact-finding for insurers in Estonia (fraud, cyber, D&O, fire cause and origin) and expert opinions on Estonian law for foreign courts and tribunals.
- [Limitation periods for insurance claims in Estonia](https://insurancelawestonia.ee/guides/limitation-periods-insurance-claims-estonia): Insurance claim limitation in Estonia: VÕS § 475 three-year period, suspension on notice, ten-year cap, one-year period to sue.
- [Modern risk landscape: cyber, fraud and management liability](https://insurancelawestonia.ee/specialty-lines/handbook/risk-landscape): Why property and liability cover no longer suffices in Estonia: digital dependence, social engineering fraud, NIS2 and board liability.
- [Notification and claims strategy across several policies](https://insurancelawestonia.ee/specialty-lines/handbook/notification-across-policies): When to notify, how to qualify the incident and how to claim in parallel under cyber, crime and D&O policies under Estonian law.
- [One click, cash and revenue gone: cyber insurance for businesses](https://insurancelawestonia.ee/blog/2026-11-03-cyber-insurance-ransomware-business): Ransomware, business interruption and data breaches: what cyber insurance covers, why property policies are no substitute and what to check in Estonia.
- [Presenting a cyber, crime or D&O claim: documents and evidence](https://insurancelawestonia.ee/specialty-lines/handbook/claim-documentation-and-evidence): Evidence-based cyber, crime and D&O claims under Estonian law: documents, loss calculation, experts, advance payment and typical mistakes.
- [Services for insurers, reinsurers, MGAs, brokers and TPAs](https://insurancelawestonia.ee/services-for-insurers): Local and panel counsel in Estonia: coverage opinions, claims support, reservation of rights, subrogation, litigation, breach coach, D&O, crime.
- [The first 24 to 72 hours after a cyber incident or fraud](https://insurancelawestonia.ee/specialty-lines/handbook/first-24-72-hours): Crisis management in the first hours: containment, the crisis team, whom to involve, NIS2, GDPR and insurance law deadlines and policy conditions.
- [Typical coverage disputes in cyber, crime and D&O insurance](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-disputes): Direct and indirect loss, the notion of fraud, duties of care, intent as a narrow exclusion and pre-contractual disclosure under Estonian law.