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Specialty coverage

Management Liability

Management liability bundles the coverages that protect an organization's leaders personally: directors and officers (D&O) for decisions that spark shareholder or creditor suits, employment practices liability (EPLI) for discrimination and wrongful-termination claims, and fiduciary liability for mistakes managing employee benefit plans. In California's litigious environment, these suits target executives' own assets, not just the company's.

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Who this coverage is for

This coverage is for company owners, directors, officers, and executives whose decisions carry personal and organizational risk. It bundles several protections that respond when leadership choices lead to lawsuits.

What it can help protect

Management liability is a package that protects the people who run an organization and the organization itself from claims tied to how it is governed and managed.

  • Directors and officers (D&O) — Protects leaders' personal assets when they are sued over management decisions.
  • Employment practices (EPLI) — Responds to claims of wrongful termination, discrimination, or harassment by employees.
  • Fiduciary liability — Covers claims tied to mismanaging an employee benefit or retirement plan.
  • Defense costs — Pays for attorneys and court expenses across these covered claim types.
  • Regulatory investigations — Some forms help with the cost of responding to certain government inquiries.
Regularly misunderstood coverages
Management Liability vs. D&O

What management liability bundles together.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on governance, headcount, benefit-plan responsibilities, and controls, investor/board profile, and claims history and growth trajectory.

Common Questions