SINGAPORE — Geopolitical uncertainty, cyber threats, and a surge in global insolvencies will sharpen liability risks for corporate directors and officers in 2026, according to Allianz Commercial’s latest D&O insurance insights report.
Allianz warns that boards across sectors face rising scrutiny as political tensions, regulatory shifts, and economic volatility expose companies to operational failures, financial losses, and reputational harm. Directors can increasingly be held personally liable if they misjudge geopolitical developments or fail to comply with evolving legal requirements across jurisdictions.
Cyber risks have surged, with regulators demanding stronger board-level oversight. Allianz notes growing litigation and regulatory action following data breaches, ransomware attacks and system failures. Ransomware alone comprised 60% of large cyber insurance claims (over €1 million) in the first half of 2025. If a cyber incident triggers financial loss, directors could face lawsuits from shareholders, customers or suppliers over inadequate controls or poor continuity planning.
Insolvency-linked D&O claims are rising sharply. Allianz Trade forecasts global business insolvencies to rise 6% in 2025 and another 5% in 2026—marking five consecutive years of growth, with bankruptcies now 24% above pre-pandemic averages.
Sectors most at risk include automotive, construction, retail and consumer goods. The US also saw a spike in “mega bankruptcies” (companies with assets >$1bn) — 17 cases in the first half of 2025, the highest since the pandemic.
New D&O claims are now at or above pre-Covid levels globally. The US remains the most complex market, driven by heavy securities litigation and rising payouts — average settlements increased 27% to $56 million in early 2025.
Boards are also navigating shifting policies on DEI, ESG and AI, adding new layers of liability.
In Asia, abundant global insurance capacity has driven down rates and shrunk the overall D&O market. Companies are aggressively tendering to cut insurance costs, pushing competition among brokers and widening coverage terms.
According to Allianz, new buyers can currently secure broader cover at lower deductibles, making this a favourable moment to enter the D&O market.
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