Management / Executive Liability Insurance Program

Public, private, and non-profit organizations all face the same risks. The potential for allegations against directors or officers while conducting business on behalf of their company. These risks increase due to the nature of the decisions and the managers who make them.

The following are coverages for all business to consider.

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Directors and Officers

Profit or nonprofit organizations face claims from decisions made by the board of directors, wrongful termination/discrimination. These are just a few areas where financial loss can occur.

Employment Practices Liability

Employment Practices Liability Insurance (EPLI) — a type of liability insurance covering wrongful acts arising from the employment process.

The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related:

  • Defamation
  • Invasion of privacy
  • Failure to promote
  • Deprivation of a career opportunity
  • Negligent evaluation

EPLI is available as a stand-alone coverage; it is also frequently sold as part of a management liability package policy.

Large entities or small, we have markets for you.

Fiduciary and Crime

Financial loss from computer fraud, employee dishonesty, forgery, or robbery - inside an outside premises are rarely recoverable.

Loss can be more than a loss of currency or financial instruments. Business property, including client's property, is also at risk for loss or damage from acts of crime.

Cyber Liability

Technology driven and cyber incidents are nothing new. These incidents are more prevalent as technology expands its capabilities.

It’s far more than protecting the privacy of your client’s data base from a data breach. Our carriers can provide loss mitigation services to gauge areas of cyber security risks before an event occurs.

Incident Response Services help limit exposure to a loss when it occurs. Events may create damage to computers and other hardware. Fraud, loss of reputation, network extortion and identity theft are also possible damages from one event.