Running a business means navigating a landscape filled with complex risks. To safeguard your company’s leadership and ensure long-term stability, these risks must be carefully evaluated and managed with precision. Executive Risk—commonly referred to as Management Liability Insurance—provides a critical layer of protection designed specifically for directors, officers, and business leaders.
The marketplace for Executive Risk coverage is broad, but not every policy is built the same. A single Directors & Officers (D&O) Liability policy cannot cover all exposures that executives face, which is why a suite of specialized protections is essential.
Directors & Officers Liability (D&O): Shields leaders from lawsuits alleging mismanagement, negligence, or breach of duty.
Employment Practices Liability (EPLI): Defends against claims of harassment, discrimination, wrongful termination, or other workplace issues.
Errors & Omissions / Professional Liability: Protects against claims of negligence or inadequate professional services.
Fiduciary Liability: Covers fiduciaries and trustees for breaches of duty under ERISA, including plan mismanagement.
Crime (Fidelity) Coverage: Protects against losses from fraud, employee theft, or forgery.
A D&O lawsuit can target not only company leaders but also senior managers, board members, and even employees involved in decision-making. Without D&O coverage, both personal and corporate assets may be at risk. This policy is indispensable for maintaining confidence, stability, and protection against high-stakes claims.
Employment claims are among the most common threats to private companies—accounting for nearly 30% of all civil litigation in the U.S. Studies show up to 60% of employers will be sued by an employee at some point.
EPLI provides coverage for defense costs, settlements, and damage awards arising from employee lawsuits involving:
Discrimination
Harassment
Wrongful termination
Failure to promote
Other employment-related claims
With claims at record highs nationwide, EPLI is no longer optional—it’s a cornerstone of risk management for every business.
Fiduciaries overseeing employee benefit plans face personal liability under ERISA. Breaches—such as poor investment options, insufficient funding, or failure to educate employees—can trigger costly lawsuits. Fiduciary Liability Insurance ensures that both your company and its decision-makers are protected against these personal risks.
Fraud, theft, and forgery are real threats that standard commercial property insurance does not address. Crime insurance closes that gap, protecting your business against financial losses caused by internal or external fraud. With customizable endorsements, this coverage can be tailored to fit the unique needs of your company.
