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Abstract(s)
Administrador é aquele que possui poder de decisão no exercício da atividade empresarial. Está conduta decisória é acompanhada de consequências inerentes a execução da função de gestão que, por vezes, pode ser geradora de danos. A responsabilidade civil é diretamente vinculada à reparação do dano causado e ao nexo existente entre o autor do dano e a vítima. Como forma de garantir a prestação devida às vítimas dos danos causados, em razão de uma possível insuficiência do património do responsável pela reparação, surge o seguro de responsabilidade civil de administradores – D&O insurance. Além de reparar o património da vítima este seguro também oferece uma cobertura heterogénea que abrange não só o gestor (proteção do património particular) como também a própria empresa, principalmente quanto aos custos de reparação de imagem, reembolso de montantes gastos pela empresa, custos de defesa e etc.
The administrators have decision-making powers whilst performing their duties. This decision-making practice is followed by aftereffect intrinsic in the execution management function that sometimes can be a generator of damage. Civil responsibility is directly bound to the compensation of the damage caused and to the existent links between the perpetrator and the victim. To ensure the compensation of the foreseeable damage, combined with insufficient of capital, the D&O insurance was created. Besides covering the costs of compensation claims, the D&O offers insurance coverage not only for the directors and officers but also for the organization as a whole, especially as regards the costs of harm done to the company’s image, reimbursement of expenses incurred by the company, legal costs, etc.
The administrators have decision-making powers whilst performing their duties. This decision-making practice is followed by aftereffect intrinsic in the execution management function that sometimes can be a generator of damage. Civil responsibility is directly bound to the compensation of the damage caused and to the existent links between the perpetrator and the victim. To ensure the compensation of the foreseeable damage, combined with insufficient of capital, the D&O insurance was created. Besides covering the costs of compensation claims, the D&O offers insurance coverage not only for the directors and officers but also for the organization as a whole, especially as regards the costs of harm done to the company’s image, reimbursement of expenses incurred by the company, legal costs, etc.
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Keywords
Seguro de responsabilidade civil dos administradores D&O insurance Liability insurance of administrators