{"id":5441,"date":"2026-06-11T07:55:25","date_gmt":"2026-06-11T05:55:25","guid":{"rendered":"https:\/\/informatoo.com\/?post_type=info&p=5441"},"modified":"2026-06-11T07:59:18","modified_gmt":"2026-06-11T05:59:18","slug":"do-versicherung","status":"publish","type":"info","link":"https:\/\/informatoo.com\/en\/info\/do-versicherung\/","title":{"rendered":"D&O\u2011Versicherung"},"content":{"rendered":"\n

Eine D&O\u2011Versicherung<\/strong> (Director-and-Officer-Versi\u00adcherung) ist eine spezielle Manager\u00adhaft\u00adpflicht\u00adver\u00adsi\u00adcherung<\/strong>. Sie sch\u00fctzt Gesch\u00e4fts\u00adf\u00fchrer, Vorst\u00e4nde, Aufsichtsr\u00e4te und andere leitende Angestellte vor finan\u00adzi\u00adellen Folgen, wenn sie wegen einer Pflicht\u00adver\u00adletzung pers\u00f6nlich haftbar gemacht werden.<\/p>\n\n\n\n

Was deckt sie ab?<\/h3>\n\n\n\n

Wenn einer F\u00fchrungs\u00adkraft beispiels\u00adweise vorge\u00adworfen wird,<\/p>\n\n\n\n

    \n
  • eine falsche unter\u00adneh\u00adme\u00adrische Entscheidung getroffen zu haben,<\/li>\n\n\n\n
  • gesetz\u00adliche Pflichten verletzt zu haben,<\/li>\n\n\n\n
  • Risiken nicht ausrei\u00adchend \u00fcberwacht zu haben,<\/li>\n\n\n\n
  • fehler\u00adhafte Infor\u00adma\u00adtionen an Gesell\u00adschafter oder Inves\u00adtoren gegeben zu haben,<\/li>\n<\/ul>\n\n\n\n

    k\u00f6nnen Schaden\u00ader\u00adsatz\u00adfor\u00adde\u00adrungen entstehen. Die D&O\u2011Versicherung \u00fcbernimmt in der Regel:<\/p>\n\n\n\n

      \n
    1. Pr\u00fcfung der Haftungs\u00adfrage<\/strong> (ob der Vorwurf berechtigt ist),<\/li>\n\n\n\n
    2. Abwehr unbegr\u00fcn\u00addeter Anspr\u00fcche<\/strong> (inkl. Anwalts- und Gerichts\u00adkosten),<\/li>\n\n\n\n
    3. Zahlung berech\u00adtigter Schaden\u00ader\u00adsatz\u00adfor\u00adde\u00adrungen<\/strong> bis zur verein\u00adbarten Versi\u00adche\u00adrungs\u00adsumme.<\/li>\n<\/ol>\n\n\n\n

      Wer schlie\u00dft die Versi\u00adcherung ab?<\/h3>\n\n\n\n

      Meist schlie\u00dft das Unter\u00adnehmen die Versi\u00adcherung f\u00fcr seine Organ\u00admit\u00adglieder und F\u00fchrungs\u00adkr\u00e4fte ab. Versi\u00adche\u00adrungs\u00adnehmer ist h\u00e4ufig die Firma, versi\u00adcherte Personen sind die Manager.<\/p>\n\n\n\n

      Beispiel<\/h3>\n\n\n\n

      Ein Gesch\u00e4fts\u00adf\u00fchrer vers\u00e4umt es, recht\u00adzeitig Insolvenz anzumelden. Gl\u00e4ubiger machen deshalb einen Schaden geltend. Wird der Gesch\u00e4fts\u00adf\u00fchrer pers\u00f6nlich haftbar gemacht, kann die D&O\u2011Versicherung \u2013 je nach Vertrags\u00adbe\u00addin\u00adgungen \u2013 die Kosten und Schaden\u00ader\u00adsatz\u00adfor\u00adde\u00adrungen \u00fcbernehmen.<\/p>\n\n\n\n

      Was ist meist nicht versi\u00adchert?<\/h3>\n\n\n\n

      Typischer\u00adweise ausge\u00adschlossen sind:<\/p>\n\n\n\n

        \n
      • vors\u00e4tz\u00adliche Straf\u00adtaten,<\/li>\n\n\n\n
      • bewusstes Fehlver\u00adhalten,<\/li>\n\n\n\n
      • pers\u00f6n\u00adliche Berei\u00adcherung,<\/li>\n\n\n\n
      • bestimmte Geldstrafen oder Bu\u00dfgelder.<\/li>\n<\/ul>\n\n\n\n

        F\u00fcr wen ist sie wichtig?<\/h3>\n\n\n\n

        Besonders relevant ist eine D&O\u2011Versicherung f\u00fcr:<\/p>\n\n\n\n

          \n
        • Gesch\u00e4fts\u00adf\u00fchrer von GmbHs,<\/li>\n\n\n\n
        • Vorst\u00e4nde von Aktien\u00adge\u00adsell\u00adschaften,<\/li>\n\n\n\n
        • Aufsichtsr\u00e4te,<\/li>\n\n\n\n
        • Vereins\u00advor\u00adst\u00e4nde,<\/li>\n\n\n\n
        • leitende Angestellte mit weitrei\u00adchender Verant\u00adwortung.<\/li>\n<\/ul>\n\n\n\n

          In Deutschland k\u00f6nnen Gesch\u00e4fts\u00adf\u00fchrer und Vorst\u00e4nde bei Pflicht\u00adver\u00adlet\u00adzungen mit ihrem Privat\u00adver\u00adm\u00f6gen<\/strong> haften. Deshalb gilt die D&O\u2011Versicherung f\u00fcr viele Unter\u00adnehmen als wichtiger Bestandteil des Risiko\u00adma\u00adnage\u00adments.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Eine D&O\u2011Versicherung (Director-and-Officer-Versi\u00adcherung) ist eine spezielle Manager\u00adhaft\u00adpflicht\u00adver\u00adsi\u00adcherung. Sie sch\u00fctzt Gesch\u00e4fts\u00adf\u00fchrer, Vorst\u00e4nde, Aufsichtsr\u00e4te und andere leitende Angestellte vor finan\u00adzi\u00adellen Folgen, wenn sie wegen einer Pflicht\u00adver\u00adletzung pers\u00f6nlich haftbar gemacht werden. Was deckt sie ab? Wenn einer F\u00fchrungs\u00adkraft beispiels\u00adweise vorge\u00adworfen wird, k\u00f6nnen Schaden\u00ader\u00adsatz\u00adfor\u00adde\u00adrungen entstehen. Die D&O\u2011Versicherung \u00fcbernimmt in der Regel: Wer schlie\u00dft die Versi\u00adcherung ab? Meist schlie\u00dft das [\u2026]<\/p>\n","protected":false},"author":1,"featured_media":3588,"menu_order":0,"template":"","format":"standard","meta":{"wp_typography_post_enhancements_disabled":false,"footnotes":""},"region":[143],"tag_de":[268,266,269,265,267],"thema":[88],"ai_version":[263],"class_list":["post-5441","info","type-info","status-publish","format-standard","has-post-thumbnail","hentry","region-de","tag_de-aufsichtsrat","tag_de-geschaeftsfuehrer","tag_de-vereinsleitung","tag_de-versicherung","tag_de-vorstand","thema-business","ai_version-gpt5-5"],"blocksy_meta":[],"yoast_head":"\nD&O-Versicherung - informatoo.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/informatoo.com\/en\/info\/do-versicherung\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:locale:alternate\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D&O-Versicherung - informatoo.com\" \/>\n<meta property=\"og:description\" content=\"Eine D&O\u2011Versicherung (Director-and-Officer-Versi\u00adcherung) ist eine spezielle Manager\u00adhaft\u00adpflicht\u00adver\u00adsi\u00adcherung. Sie sch\u00fctzt Gesch\u00e4fts\u00adf\u00fchrer, Vorst\u00e4nde, Aufsichtsr\u00e4te und andere leitende Angestellte vor finan\u00adzi\u00adellen Folgen, wenn sie wegen einer Pflicht\u00adver\u00adletzung pers\u00f6nlich haftbar gemacht werden. Was deckt sie ab? Wenn einer F\u00fchrungs\u00adkraft beispiels\u00adweise vorge\u00adworfen wird, k\u00f6nnen Schaden\u00ader\u00adsatz\u00adfor\u00adde\u00adrungen entstehen. Die D&O\u2011Versicherung \u00fcbernimmt in der Regel: Wer schlie\u00dft die Versi\u00adcherung ab? 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