年内251家上市公司公告董责险投保计划

Group 1 - The core viewpoint of the articles highlights the increasing trend of listed companies in China purchasing Directors and Officers (D&O) insurance, with 251 companies announcing their plans as of May 25, 2023, indicating a growing recognition of the insurance's importance in mitigating risks associated with executive responsibilities [1] - The number of listed companies disclosing D&O insurance plans has risen significantly from 184 in 2020 to an expected 475 by 2024, showcasing a notable upward trend in market penetration and acceptance of D&O insurance in the A-share market [1] - D&O insurance is becoming an effective risk management tool for executives, especially in light of high-profile cases where directors and officers faced substantial joint liability, alongside the strengthening of legal requirements for their responsibilities [2] Group 2 - Challenges to the expansion of D&O insurance include insufficient localization of products, complex terms that do not align well with domestic legal environments, and a lack of transparency in claims information, which complicates companies' decision-making processes regarding insurance [2][3] - Insurance companies are urged to enhance their risk assessment capabilities for D&O insurance, focusing on underwriting risks, claims risks, and market competition risks, while also improving their underwriting processes and clarifying claims standards [2] - The future outlook for the D&O insurance market suggests that increased judicial practices and more insurance payout cases will likely lead to a further rise in market penetration [4]