management liability

Management Liability Insurance has been designed by the insurance industry to provide covers to the small to medium business market for liability they can have a financial exposure to. The covers provided under Management Liability are not typically covered under a business package, public or product liability or professional indemnity insurance policy.


Management Liability Insurance will generally cover claims you or your company could face such as:


  • Breach of directors’ or officers’ duties

  • Company liability cover

  • Statutory fines and penalties (Civil)

  • Crisis costs

  • Occupational health and safety proceedings

  • Public relation expenses

  • Employment malpractice

  • Allegations of illegal or improper conduct

  • Crime cover (employee theft)

  • Breach of contract

  • Tax audit investigation costs


The chances of economic uncertainty greatly increase the chances of business failure, regulatory investigations, employment disputes and employee theft. In the event of any of these, the following facets of Management Liability Insurance would likely cover business for disrepute-


  • Directors and Officers Liability and Company Reimbursement

  • Employment Liability – Insured Organisation

  • Trustees Liability

  • Insured Organisation Liability

  • Employee Crime


Management Liability claims can be made by a number of sources. The most common are


  • Employees – discrimination, harassment

  • Creditors – financial loss, misrepresentation

  • Competitors – unfair practices / act

  • Customers – breach of duty/ omission

  • Regulators – regulatory violation

  • Suppliers – misrepresentation


For more information about Management Liability insurance, please contact your local Regional Insurance Brokers office or submit an online enquiry