{"id":6633,"date":"2026-04-06T10:42:31","date_gmt":"2026-04-06T08:42:31","guid":{"rendered":"https:\/\/ambler.es\/?p=6633"},"modified":"2026-04-28T11:50:10","modified_gmt":"2026-04-28T09:50:10","slug":"assegurances-do-guia-completa-per-protegir-directius-i-consellers-2","status":"publish","type":"post","link":"https:\/\/ambler.es\/ca\/seguros-do-guia-completa-para-proteger-a-directivos-y-consejeros\/","title":{"rendered":"Assegurances D&amp;O: guia completa per protegir directius i consellers"},"content":{"rendered":"\n<p>Dirigir una empresa implica prendre decisions cada dia: aprovar inversions, signar contractes, gestionar equips, respondre davant dels socis i complir obligacions legals. De vegades, una decisi\u00f3 discutida o un resultat no esperat acaba en una <strong>reclamaci\u00f3 personal contra qui ocupa c\u00e0rrecs d\u2019administraci\u00f3 o direcci\u00f3<\/strong>. Per aix\u00f2, moltes companyies es plantegen com protegir el seu lideratge. La resposta \u00e9s en les <a href=\"https:\/\/ambler.es\/ca\/assegurances-empreses\/\">assegurances D&amp;O<\/a>.<\/p>\n\n\n\n<p>A <strong>Ambler<\/strong> hem preparat aquesta guia per explicar-te qu\u00e8 s\u00f3n, qu\u00e8 solen cobrir, quines limitacions conv\u00e9 tenir clares i com valorar una p\u00f2lissa de manera pr\u00e0ctica.<\/p>\n\n\n\n<p>Comptem amb el suport de <strong>m\u00e9s de 34 anys d\u2019experi\u00e8ncia<\/strong> al sector i amb clients que confien en la nostra feina per assegurar la continu\u00eftat del seu negoci.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Per qu\u00e8 els directius estan m\u00e9s exposats del que sembla?<\/strong><\/h2>\n\n\n\n<p>Les reclamacions a administradors i directius no sempre venen de grans esc\u00e0ndols. En empreses petites i mitjanes tamb\u00e9 apareixen conflictes per:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Discrep\u00e0ncies entre socis.<\/li>\n\n\n\n<li>Reclamacions d\u2019inversors per expectatives no complertes.<\/li>\n\n\n\n<li>Prove\u00efdors o clients que al\u00b7leguen perjudicis per decisions de gesti\u00f3.<\/li>\n\n\n\n<li>Processos laborals en qu\u00e8 s\u2019intenta derivar responsabilitat personal.<\/li>\n\n\n\n<li>Situacions d\u2019insolv\u00e8ncia o tensions de tresoreria que generen revisions i retrets.<\/li>\n<\/ul>\n\n\n\n<p>Es tracta d\u2019assumir una realitat: quan hi ha p\u00e8rdues, conflictes o canvis, \u00e9s habitual que es <strong>busquin responsables<\/strong>. I el c\u00e0rrec directiu, per definici\u00f3, \u00e9s a primera l\u00ednia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 \u00e9s una asseguran\u00e7a de D&amp;O?<\/strong><\/h2>\n\n\n\n<p>Una <strong>asseguran\u00e7a de D&amp;O<\/strong> (Directors &amp; Officers) \u00e9s una p\u00f2lissa pensada per <strong>protegir el patrimoni personal d\u2019administradors, consellers i alts c\u00e0rrecs<\/strong> davant de reclamacions per suposats errors o omissions comesos en l\u2019exercici de les seves funcions.<\/p>\n\n\n\n<p>\u00c9s a dir, si alg\u00fa reclama a un directiu per una decisi\u00f3 de gesti\u00f3 i aquesta reclamaci\u00f3 s\u2019ajusta a la p\u00f2lissa, l\u2019asseguran\u00e7a sol cobrir les <strong>despeses de defensa<\/strong> i, si escau, <strong>indemnitzacions<\/strong> o acords, dins dels l\u00edmits i condicions contractats.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A qui sol protegir?<\/strong><\/h3>\n\n\n\n<p>Segons la p\u00f2lissa, pot incloure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Administradors (incloent-hi solidaris o mancomunats).<\/li>\n\n\n\n<li>Membres del consell d\u2019administraci\u00f3.<\/li>\n\n\n\n<li>Directius i alts c\u00e0rrecs (per exemple, direcci\u00f3 general, finances, operacions).<\/li>\n\n\n\n<li>En alguns casos, c\u00e0rrecs en filials o participades, o representants en societats participades, si s\u2019acorda.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quins riscos sol cobrir?<\/strong><\/h3>\n\n\n\n<p>Cada asseguradora defineix el seu abast, per\u00f2 de manera habitual les <strong>assegurances D&amp;O<\/strong> se centren en reclamacions per:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Incompliment de deures d\u2019administraci\u00f3.<\/strong><\/li>\n\n\n\n<li><strong>Neglig\u00e8ncia, error o manca de dilig\u00e8ncia en decisions.<\/strong><\/li>\n\n\n\n<li><strong>Declaracions suposadament inexactes davant de socis, inversors o tercers.<\/strong><\/li>\n\n\n\n<li><strong>Conflictes per gesti\u00f3 empresarial, govern corporatiu o estrat\u00e8gia.<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 cobreixen les assegurances D&amp;O a la pr\u00e0ctica?<\/strong><\/h2>\n\n\n\n<p>M\u00e9s enll\u00e0 de definicions, el rellevant \u00e9s com es tradueix en un cas real. Una <strong>p\u00f2lissa D&amp;O<\/strong> sol girar al voltant de quatre blocs:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1) Defensa jur\u00eddica<\/strong><\/h3>\n\n\n\n<p>En moltes situacions, el primer cost important no \u00e9s la indemnitzaci\u00f3, sin\u00f3 la <strong>defensa<\/strong>: advocats, procuradors, p\u00e8rits, fiances o despeses similars (segons condicions). La p\u00f2lissa pot assumir aquestes despeses des de fases primerenques, sempre que el cas estigui cobert.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2) Indemnitzacions i acords<\/strong><\/h3>\n\n\n\n<p>Si hi ha una condemna, un acord o una responsabilitat civil derivada del proc\u00e9s i est\u00e0 dins de l\u2019abast, la p\u00f2lissa pot respondre fins al l\u00edmit contractat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3) Reemborsament a l\u2019empresa (quan l\u2019empresa indemnizza el directiu)<\/strong><\/h3>\n\n\n\n<p>En alguns sup\u00f2sits, l\u2019empresa avan\u00e7a o assumeix costos de defensa o indemniza el directiu. Algunes p\u00f2lisses contemplen el <strong>reemborsament<\/strong> a la societat per aquests imports (segons l\u2019estructura de cobertures).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4) Cobertures afegides (segons p\u00f2lissa)<\/strong><\/h3>\n\n\n\n<p>Algunes p\u00f2lisses incorporen extensions \u00fatils per a determinats perfils d\u2019empresa (per exemple, defensa en determinades investigacions, despeses de gesti\u00f3 de crisi, etc.). <strong>No \u00e9s autom\u00e0tic: dep\u00e8n del producte i del que es contracti.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 sol quedar fora i per qu\u00e8 importa<\/strong><\/h2>\n\n\n\n<p>Sense entrar en normativa concreta ni en clausulats tancats, hi ha exclusions freq\u00fcents que conv\u00e9 revisar perqu\u00e8 canvien la protecci\u00f3 real:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conductes doloses o fraudulentes<\/strong> (normalment excloses).<\/li>\n\n\n\n<li><strong>Enriquiment il\u00b7l\u00edcit o avantatges indeguts.<\/strong><\/li>\n\n\n\n<li><strong>Fets coneguts abans de contractar<\/strong> (rellevant si hi ha un conflicte previ).<\/li>\n\n\n\n<li><strong>Reclamacions entre assegurats<\/strong> (de vegades limitades, de vegades amb matisos).<\/li>\n\n\n\n<li><strong>Multes o sancions, segons tipus i asseguradora<\/strong> (conv\u00e9 revisar-ho amb lupa).<\/li>\n\n\n\n<li><strong>Danys corporals o materials<\/strong> (normalment es cobreixen amb altres p\u00f2lisses, no amb D&amp;O).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Assegurances D&amp;O i govern corporatiu: quan s\u00f3n m\u00e9s recomanables<\/strong><\/h2>\n\n\n\n<p>Les <strong>assegurances D&amp;O<\/strong> solen tenir un sentit especial quan es dona una o m\u00e9s d\u2019aquestes circumst\u00e0ncies:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hi ha diversos socis amb rols diferents o expectatives diferents.<\/li>\n\n\n\n<li>Hi ha consell d\u2019administraci\u00f3 o administraci\u00f3 compartida.<\/li>\n\n\n\n<li>L\u2019empresa capta inversi\u00f3 o t\u00e9 previst fer-ho.<\/li>\n\n\n\n<li>Es participa en licitacions o contractes rellevants.<\/li>\n\n\n\n<li>Es troba en fase de creixement amb decisions r\u00e0pides (contractaci\u00f3, expansi\u00f3, finan\u00e7ament).<\/li>\n\n\n\n<li>Hi ha filials, delegacions o activitat internacional.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quina difer\u00e8ncia hi ha entre E&amp;O i D&amp;O?<\/strong><\/h2>\n\n\n\n<p>Vegem les difer\u00e8ncies amb claredat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D&amp;O: responsabilitat per funcions d\u2019administraci\u00f3 i direcci\u00f3<\/strong><\/h3>\n\n\n\n<p>El D&amp;O se centra en <strong>reclamacions contra administradors i directius<\/strong> per decisions de gesti\u00f3 i govern de l\u2019empresa. El fet reclamat sol estar vinculat a com es dirigeix, se supervisa o s\u2019administra la societat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>E&amp;O: errors professionals en la prestaci\u00f3 de serveis<\/strong><\/h3>\n\n\n\n<p>E&amp;O (Errors &amp; Omissions) sol relacionar-se amb la <strong>responsabilitat professional per fallades en un servei prestat a un client<\/strong>: un error en una consultoria, un informe, un disseny, una recomanaci\u00f3 t\u00e8cnica, una auditoria, una intermediaci\u00f3, etc. \u00c9s m\u00e9s habitual en empreses de serveis professionals (consultories, tecnologia, enginyeria, ag\u00e8ncies, corredories, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Poden conviure?<\/strong><\/h3>\n\n\n\n<p>S\u00ed. En moltes empreses t\u00e9 sentit <strong>combinar-los<\/strong> si es donen dos plans de risc:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Risc per la prestaci\u00f3 del servei (E&amp;O).<\/li>\n\n\n\n<li>Risc per decisions d\u2019administraci\u00f3 i direcci\u00f3 (D&amp;O).<\/li>\n<\/ul>\n\n\n\n<p><strong>No s\u00f3n intercanviables:<\/strong> tenir E&amp;O no implica que un conflicte societari o una reclamaci\u00f3 a l\u2019administrador quedi coberta, i a l\u2019inrev\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quant costa una asseguran\u00e7a D&amp;O?<\/strong><\/h2>\n\n\n\n<p>El cost d\u2019un D&amp;O no es pot respondre amb una xifra \u00fanica, perqu\u00e8 dep\u00e8n de m\u00faltiples variables que canvien molt d\u2019una organitzaci\u00f3 a una altra. El m\u00e9s \u00fatil \u00e9s entendre quins factors solen influir i com optimitzar la relaci\u00f3 cobertura-preu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Factors que solen influir en la prima<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mida i estructura de l\u2019empresa (facturaci\u00f3, nombre d\u2019empleats, complexitat operativa).<\/li>\n\n\n\n<li>Sector d\u2019activitat i nivell d\u2019exposici\u00f3 a reclamacions.<\/li>\n\n\n\n<li>Estructura accionarial (nombre de socis, pres\u00e8ncia d\u2019inversors).<\/li>\n\n\n\n<li>Historial de reclamacions o conflictes previs.<\/li>\n\n\n\n<li>L\u00edmit d\u2019indemnitzaci\u00f3 escollit i franqu\u00edcies.<\/li>\n\n\n\n<li>Abast territorial i si hi ha filials.<\/li>\n\n\n\n<li>Inclusi\u00f3 de cobertures addicionals.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e8 revisar abans de contractar un D&amp;O?<\/strong><\/h2>\n\n\n\n<p>Per a una empresa, contractar <strong>assegurances D&amp;O<\/strong> t\u00e9 sentit quan es fa amb criteri. Aquestes s\u00f3n les comprovacions m\u00e9s \u00fatils:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qui \u00e9s \u201cassegurat\u201d i des de quan<\/strong><\/h3>\n\n\n\n<p>Assegura\u2019t que queden coberts els <strong>c\u00e0rrecs rellevants<\/strong> i que la p\u00f2lissa contempla adequadament qui ha ocupat el c\u00e0rrec en el passat, quan sigui aplicable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Definici\u00f3 de \u201creclamaci\u00f3\u201d i \u201cacte indegut\u201d<\/strong><\/h3>\n\n\n\n<p>La manera com es defineix la reclamaci\u00f3 determina <strong>quan<\/strong> s\u2019activa la cobertura. Tamb\u00e9 importa com es defineix l\u2019acte pel qual es reclama.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Retroactivitat i continu\u00eftat<\/strong><\/h3>\n\n\n\n<p>En assegurances de responsabilitat, la data de retroactivitat i les condicions de continu\u00eftat (renovacions, canvis d\u2019asseguradora) s\u00f3n cr\u00edtiques per <strong>no crear buits de cobertura<\/strong> en fets que es descobreixen m\u00e9s tard.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Despeses de defensa: designaci\u00f3 i gesti\u00f3<\/strong><\/h3>\n\n\n\n<p>Revisa com es gestionen els advocats, si hi ha quadre d\u2019advocats, si hi ha possibilitat de proposar defensa i com s\u2019aproven les despeses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Exclusions rellevants per al teu cas<\/strong><\/h3>\n\n\n\n<p><strong>No totes pesen igual.<\/strong> Per exemple, en empreses amb diversos socis, les limitacions sobre reclamacions internes poden ser especialment importants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quin \u00e9s un exemple d\u2019una reclamaci\u00f3 D&amp;O?<\/strong><\/h2>\n\n\n\n<p>Una empresa B2B creix r\u00e0pid i decideix <strong>obrir una nova l\u00ednia de negoci<\/strong>. Per <strong>finan\u00e7ar-la<\/strong>, el consell aprova una inversi\u00f3 rellevant i signa acords amb un prove\u00efdor estrat\u00e8gic. Mesos despr\u00e9s, el projecte no rendeix com s\u2019esperava i apareix una <strong>tensi\u00f3 de caixa<\/strong>. Un soci minoritari considera que la decisi\u00f3 va ser imprudent, que es va ometre informaci\u00f3 en l\u2019avaluaci\u00f3 del risc i que es va perjudicar el valor de la seva participaci\u00f3.<\/p>\n\n\n\n<p>El soci <strong>inicia una reclamaci\u00f3<\/strong> contra determinats administradors i directius i al\u00b7lega <strong>manca de dilig\u00e8ncia<\/strong> en la presa de decisions. Encara que l\u2019empresa entengui que va actuar correctament, el procediment requereix defensa jur\u00eddica, documentaci\u00f3, assessorament i, de vegades, negociaci\u00f3.<\/p>\n\n\n\n<p>En un cas aix\u00ed, una <strong>asseguran\u00e7a D&amp;O<\/strong> podria fer-se c\u00e0rrec de les despeses de defensa i de la resposta econ\u00f2mica que correspongui dins de la p\u00f2lissa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quines empreses solen prioritzar les assegurances D&amp;O?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pimes amb diversos socis i rols directius definits.<\/li>\n\n\n\n<li>Startups i empreses amb rondes d\u2019inversi\u00f3 o plans de captaci\u00f3 de capital.<\/li>\n\n\n\n<li>Empreses familiars que professionalitzen la gesti\u00f3 i separen propietat i direcci\u00f3.<\/li>\n\n\n\n<li>Companyies amb consell o administraci\u00f3 col\u00b7legiada.<\/li>\n\n\n\n<li>Empreses que operen amb contractes complexos o projectes d\u2019alt valor.<\/li>\n<\/ul>\n\n\n\n<p>En totes, es busca protegir qui decideix, reduir la incertesa i facilitar que perfils directius acceptin responsabilitats sense sentir que posen en joc el seu patrimoni davant de qualsevol conflicte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Protegeix el lideratge sense frenar el negoci<\/strong><\/h2>\n\n\n\n<p>Les <strong>assegurances D&amp;O<\/strong> s\u00f3n una manera concreta de protegir administradors i directius davant de reclamacions vinculades al seu c\u00e0rrec. Ben plantejades, aporten <strong>tranquil\u00b7litat<\/strong>, ajuden a atraure i retenir talent directiu i eviten que un conflicte es converteixi en un problema personal per a qui pren decisions.<\/p>\n\n\n\n<p>Si la teva empresa est\u00e0 valorant <strong>assegurances D&amp;O<\/strong>, a <strong>Ambler<\/strong> pots <a href=\"https:\/\/ambler.es\/ca\/contacte-2\/\">sol\u00b7licitar<\/a> <strong>una orientaci\u00f3 inicial<\/strong> per analitzar la teva estructura, el teu nivell d\u2019exposici\u00f3 i el tipus de cobertura que t\u00e9 m\u00e9s sentit en el teu cas.Comptem amb un equip dedicat a <strong>assegurances empresarials<\/strong> que t\u2019assessorar\u00e0 per comparar alternatives, revisar cobertures i exclusions, i definir l\u00edmits i condicions d\u2019acord amb la realitat de la teva companyia, sense sobreassegurar ni quedar-te curt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Com funcionen les assegurances D&#038;O? Descobreix qu\u00e8 cobreixen, difer\u00e8ncies amb E&#038;O, cost i exemples de reclamacions per a empreses a Espanya.<\/p>\n","protected":false},"author":3,"featured_media":6699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45,10],"tags":[],"class_list":["post-6633","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-ca","category-seguros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assegurances D&amp;O: guia completa per protegir directius i consellers - Ambler | Corredur\u00eda de Seguros<\/title>\n<meta name=\"description\" content=\"Com funcionen les assegurances D&amp;O? 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