超30%！A股董责险渗透率创新高，渐成上市公司“标配”

Group 1 - The penetration rate of D&O insurance among A-share listed companies is expected to reach 32% by the end of 2025, an increase of 4 percentage points year-on-year [1][2] - In 2025, 643 A-share listed companies announced their plans to purchase D&O insurance, a 19% increase from the previous year, with 256 companies disclosing their plans for the first time [2][3] - The rise in D&O insurance penetration is attributed to increased regulatory scrutiny and a growing awareness among investors regarding their rights, leading to a significant rise in civil compensation lawsuits [3][4] Group 2 - The average D&O insurance premium rate has shown a downward trend since 2023, dropping to below 5‰ by the fourth quarter of 2025, influenced by increased market capacity and competitive pressures [6][7] - Companies are advised to consider purchasing D&O insurance policies with coverage of at least 100 million RMB to mitigate rising investor claim risks [6][7] - The demand for D&O insurance is closely linked to the litigation risks faced by companies, particularly in industries such as real estate, wholesale, and electricity, where penetration rates exceed 60% [3][4]