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一、引言董事责任保险是指以董事或高级职员对公司、股东及债权人等应负担的民事赔偿责任为标的的一种保险。这种保险是由公司或者公司与董事共同出资购买的,对被保险董事或高级职员在履行职责过程中因存在疏忽或者其他违反对公司所负信义义务之行为而被追究其个人责任时,由保险人负责赔偿该董事或高级职员进行责任抗辩所支出的有关法律费用并代为偿付其应当承担的民事赔偿责任的保险。从性质上讲,董事责任保险属于一种特殊的职业责任保险。
I. Introduction Directors’ liability insurance refers to an insurance covered by directors or officers on the civil liability that should be borne by companies, shareholders and creditors. Such insurance is purchased jointly by the company or the company and the director. When the insured director or officer is held personally responsible for negligence or other breach of the fiduciary obligation to the company in the course of performing his duties, The insurer is responsible for indemnifying the director or officer for legal defense expenses incurred by the legal costs and on behalf of the civil liability for reimbursement should bear the insurance. In essence, director liability insurance is a kind of special occupational liability insurance.