Protecting directors, officers, and the business itself from the personal and corporate exposures that sit outside standard commercial cover.
Management liability is distinct from professional indemnity. PI covers the business's professional advice and services. Management liability covers the personal exposure of directors and officers, employment practices claims against the entity, and corporate conduct. Both are needed for businesses with directors who make decisions that affect stakeholders.
How it sits alongside PI
A professional services firm carrying PI cover for client-facing errors is not automatically protected for internal management decisions. Regulatory investigations, shareholder disputes, or a wrongful dismissal claim sit in a different risk category entirely.
A management liability policy fills that gap: it responds to claims made against the individuals managing the business, not claims arising from the services the business provides.
We look for
Company liability policies protect the entity. Directors and officers are personally exposed when decisions are challenged by shareholders, regulators, or creditors. The gap is significant.
Unfair dismissal, discrimination, and workplace harassment claims against the business (not just the individual) are increasingly common and expensive to defend, even when unsuccessful.
Fines and penalties from WHS regulators, the ACCC, ATO, or ASIC can be uninsurable in some jurisdictions. Where cover is available, it needs to be specifically arranged.
Employee theft, payment fraud, and dishonesty by trusted staff cause material losses each year in businesses that assume it can't happen to them. Cover is straightforward to arrange.
We'll assess your D&O exposure, employment practices risk, and statutory liability obligations, then go to the right markets. No cost, no obligation.