Business Insurance
Management Liability Insurance
Management liability insurance protects company leaders and the organization from claims related to management decisions, employment practices, and fiduciary duties. It often includes D&O, EPL, and fiduciary coverage.
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What is Management Liability Insurance?
Management liability is a category of coverage that typically includes directors and officers (D&O) liability, employment practices liability (EPL), and sometimes fiduciary liability. It addresses claims against the organization and its leaders.
D&O covers claims about management decisions and governance. EPL covers claims about hiring, firing, discrimination, or harassment. Fiduciary covers claims about management of employee benefits. Growing and mid-size companies often add these as they take on more risk.
Key Benefits
Common Uses for Management Liability
D&O claims
Shareholders or others sue over management decisions
Employment disputes
Claims of discrimination, harassment, or wrongful termination
Fiduciary claims
Allegations about 401(k) or benefit plan management
Investor or board requirements
Investors or board members require D&O or EPL
Frequently Asked Questions
Directors and officers (D&O) insurance covers claims against company leaders for alleged wrongful acts in their management decisions including shareholder suits, investor disputes, and regulatory investigations. It protects both the individuals and, in many cases, the company itself.
Companies with boards, outside investors, or significant employee headcount. Investors, lenders, and board members often require D&O or EPL as a condition of their involvement. Growing mid-size companies commonly add management liability as their governance and employment exposure increases.
Directors and officers (D&O) insurance covers claims about management decisions and governance such as shareholder suits or regulatory investigations. Employment practices liability (EPL) covers workplace claims like discrimination, harassment, retaliation, and wrongful termination. Management liability policies often combine both coverages.
If your business has outside investors, a board of directors, or employees, management liability exposure exists. Even smaller companies with growth plans or outside capital should evaluate D&O and EPL coverage claims in these areas can be expensive to defend regardless of outcome.
Related Coverage Options
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Find D&O, EPL, and fiduciary coverage suited to your organization's size and structure.