Directors and officers (D&O) insurance insights 2026 : top risk trends and exposures for boards of management

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      <subfield code="a">Overview -- Trends: Uncertainty in the global geopolitical environment  implications for D&Os -- Trends: Cyber has emerged as a major cause of claims against D&Os -- AI sparks shareholder actions -- Trends: PFAS: An under-appreciated emerging risk for D&Os? -- Trends: Private companies: Trade risks challenge D&Os -- Trends: Elevated bankruptcy risk -- Insurance Outlooks: Market dynamics the state of the D&O insurance sector (Asia -- US -- Germany -- France -- UK -- Latin America) -- References</subfield>
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      <subfield code="a">The document examines the evolving risk landscape for corporate boards, highlighting geopolitical instability, economic uncertainty, and emerging threats such as cyber incidents, artificial intelligence (AI), and PFAS (forever chemicals). It notes rising litigation severity, shareholder activism, and regulatory enforcement actions, with cyber risk and AI-related lawsuits becoming major drivers of claims. Geopolitical tensions, trade tariffs, and insolvency risks further challenge directors, especially in private companies. The study emphasizes proactive governance, horizon scanning for emerging risks, and robust disclosure practices as critical for mitigating liability. Regional market outlooks reveal competitive insurance conditions, increasing demand for coverage, and growing complexity in underwriting amid heightened global risks</subfield>
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