Management Liability Insurance.
You're accountable for decisions made in your name - even the ones made in good faith. An employment claim, a shareholder dispute, a regulatory investigation. Management liability insurance protects your personal assets when the business you lead becomes the subject of a claim.
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About This Cover
Management liability insurance - what it covers and who it protects
Management liability insurance is designed to protect the people at the top - including directors, officers, and senior managers - from claims that could arise from the decisions they make on the job. Whether it's a disgruntled employee claiming mismanagement or a shareholder upset about leadership decisions, this cover responds.
If someone makes a claim against your management team - say a disgruntled employee or a regulatory body - your insurance kicks in to cover legal fees, settlements, or court-ordered payments.
It helps protect the personal assets of your leadership team while also keeping your business steady through the storm.
What's Included
What's included - standard covers in a management liability policy
Directors & Officers Liability
Covers key decision-makers personally for claims arising from management decisions - protecting their personal assets from legal action.
Employment Practices Liability
Covers claims from employees relating to unfair dismissal, discrimination, sexual harassment, and other workplace conduct matters.
Statutory Liability
Unintentional breaches of legislation - the regulatory missteps that happen even in well-run businesses.
Corporate Liability
Covers the company itself for claims arising from its management and operations - going beyond individual director cover.
Defence Costs
Good lawyers from day one, with legal fees covered whatever the outcome.
Tax Audit Costs
Covers the professional costs of dealing with a tax audit, including accountant and legal fees during the review process.
Company Reimbursement
Reimburses the company where it has advanced defence costs on behalf of a director or officer during a claim.
Crime Defence Costs
Covers defence costs for claims alleging dishonesty, fraud, or criminal acts by management - subject to policy terms.
Who Needs This
Who needs management liability insurance - directors, officers, and senior leaders
Company Directors & Executives
Those at the top are personally on the line for the decisions they make. Management liability protects their personal assets when the business faces a claim.
Small Business Leaders
Smaller businesses often underestimate their exposure. A single employment claim or regulatory investigation can be financially devastating without cover.
Senior Partners & Board Members
Board members bear personal responsibility for governance decisions. Cover provides a financial backstop when shareholders or regulators challenge those decisions.
HR Managers & Senior Staff
Those involved in hiring, performance management, and dismissal decisions carry real exposure to employment practices claims.
Private Company Boards
Private companies are accountable to shareholders, creditors, and regulators - and directors can be held personally liable for how that accountability is met.
Why Co-Pilot
Why Co-Pilot for management liability - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the cover that protects your leadership team - not the policy that earns someone a commission.
Insurer relationships that open doors
Access to 90+ insurers, including specialist management liability underwriters for high-risk industries, complex company structures, and businesses with prior claims history.
Honest advice on management liability vs. professional indemnity
Management liability covers how the business is led; professional indemnity covers the advice it provides. Many businesses need both - and understanding the difference prevents costly gaps.
Clear communication, no surprises
We explain your policy in plain language, update it as your leadership structure changes, and are available when a claim is made - not just at sign-up.
Hear What Our Clients Are Saying
“Steven was an absolute pleasure to work with throughout the process start to finish. He made our life easier, answered all our questions and helped us navigate the whole loan process. Couldn't reccomend him high enough!”
Josh Sheil
FAQ
Common Questions About Management Liability Insurance
Management decisions carry personal risk.
Let's get you covered.
Co-Pilot searches across 90+ insurers to find the right management liability cover for your company structure, industry, and leadership team. Personal assets protected, claims handled properly.
No impact to your credit score