论文代写：董事和高管责任险
董事和高管责任保险（以下简称D＆O保险）是企业为保护其董事和高级管理人员在其利益相关者（包括股东或债权人）提起诉讼时免于承担个人责任而购买的保险（Lin et al。，2013）。虽然人身伤害，财产损失等一般责任保险足以涵盖与业务相关的风险，但其他风险可能与董事和业务人员相关，远超过保险范围一般责任保险中规定的条款（Oshinsky et al。，2002）。在这种情况下，为了保护董事和官员免受来自客户或客户的责任法诉讼，D＆O保险是一项重要的要求（Romano，1988）。它保护董事和管理人员免受诉讼和个人财务责任问题的潜在风险，这些问题是客户和客户关心的问题。当投资者，消费者或其他利益相关者提出要求董事和高级管理人员承担直接责任时，保险可保护董事和高级管理人员继续与公司合作（Liao＆Li，2017）。
论文代写：董事和高管责任险
董事和高级管理人员受到保护的责任问题可以是不同类型的，例如包括由于管理不善造成的诉讼所产生的补偿费用，不当雇员解雇，利益相关者不满以及许多其他被认为是诚信行为的行为（Black，2001）。这两部分的保费包括如下：（1）赔偿公司的赔偿成本。 （2）当公司无法支付赔偿时，支付给管理人员（Black，2001）。只要管理层遵守对股东和公司的信托责任，覆盖范围就是有效的。公司的董事拥有三项主要的受托责任，即关怀，忠诚和诚信，因此客户和投资者相信董事会对客户，客户或投资者的这些诚信义务至关重要，因为客户和投资者认为董事的公司将按照道德规范行事（Eisenberg，2006）。保险是用于支付责任问题的备份计划。利益相关者必须了解保险制定适当协议的重要性。
论文代写：董事和高管责任险
Directors and Officers liability insurance, hereafter D&O insurance, is an insurance purchased by an enterprise to protect its directors and officers from personal liability in the event of litigation brought by its stakeholders including shareholders or creditors (Lin et al., 2013). While general liability insurance such as for personal injury, property damage etc., would be sufficient to cover risks associated with the business, it could so happen that other risks could be associated with directors and the officers of the business that would far exceed the coverage provisions defined in the general liability insurance (Oshinsky et al., 2002). In such cases, in order to protect the directors and officers from liability law suits coming from clients or customers, the D&O insurance is a significant requirement (Romano, 1988). It protects the directors and officers from the potential risk of lawsuit and individual financial accountability issues that are of concern clients and customers. The insurance protects the directors and officers in their continuing work with the company, when investors, consumers or other stakeholders raise a claim making directors and officers directly liable (Liao & Li, 2017).
论文代写：董事和高管责任险
The liability issues from which the directors and officers are protected could be of different types, such as including reimbursing expenses arise from lawsuits of poor management decisions, improper employee dismissals, stakeholder dissatisfaction, and many other actions which are believed to be committed in good faith (Black, 2001). The two parts are covered by the premium which are as follows, (1) compensation for indemnification costs to companies. (2) Payments are to management when companies cannot pay the compensation (Black, 2001). The coverage is valid as long as managements obey the fiduciary responsibilities to shareholders and companies. Three main fiduciary duties are owned by the directors of the company which are care, loyalty, and good faith, it is essential that these fiduciary duties to the customer, the client or the investors are met with, as customers and investors believe that the directors of the company would act ethically and as per regulation (Eisenberg, 2006). Insurance is a backup plan that is used to cover liability issues. It is imperative for the stakeholders to comprehend about the importance of insurance to develop the appropriate protocols.
