Management Liability Insurance for Private Companies and Non-Profits

Directors & Officers Liability Insurance (D&O)

  • Protects the directors and officers and the corporation against financial loss from resulting from litigation brought against them for an alleged wrongful act in their capacity as directors and officers
  • Protects the personal assets of the directors and officers and also the assets of the corporation
  • Makes coverage available for both public and private companies
  • Includes a claims-made policy form

Fiduciary Liability

  • Covers defense costs and damages from suits against plan trustees and other fiduciaries that administer and/or oversee employee benefit plans, even those who contract with investment managers
  • Protects against losses to a benefit plan incurred as a result of individual’s alleged negligent act or omission in administration or oversight of plans.
  • Includes profit sharing, disability, medical and life insurance
    – Specific plan(s) designated by the policy
    – Employer sponsoring the plan
    – Any individual serving as trustee, director, officer or employee of the plan
    – Any other person or organization specified by the policy
  • Includes claims-made policy form

Employment Practices Liability (EPL)

  • Provides coverage for defense costs and damages from liability resulting from an actual or alleged “employment practices violation” by an employee, applicant or third party
  • Protects the company and employees including past, present, part time, seasonal  and temporary, volunteers and applicants for employment
  • Includes but are not limited to allegations of:
                   –  Harassment (sexual or otherwise)
                   –  Discrimination
                   –  Retaliation by employer
                   –  Wrongful termination
                   –  Failure to employ/hire/promote/grant tenure
                   –  Liable, humiliation, slander
                   –  Violation of an employee’s civil rights
                   –  Infliction of emotional distress
                   –  Deprivation of career opportunities
  • Includes claims-made policy form


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