Management Liability insurance

Best-in class protection

Protecting key employees against personal liability

Management Liability cover is an essential component of any commercial insurance programme. It is designed to protect directors, officers and other key employees against the costs of personal liability for compensatory damages and/or defence costs arising from actions and decisions they take on behalf of the company.

In a culture where more claims are being brought against not only firms but also individuals within a business, it is important that Management Liability insurance is in place

A Management Liability insurance policy is made up of three key covers as outlined below.

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Directors and Officers Insurance

Directors are protected from the costs of claims made against them personally as a result of an alleged or actual wrongful act carried out in their capacity as a director or officer. Wrongful acts could include breach of duty, negligence, defamation or even pollution.

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Employment Practices Liability

Protecting your business against financial losses from claims made by employees for a wide range of employment practice violations, including unfair dismissal or discrimination on grounds of sex, race, disability, religion, belief or sexual orientation.

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Corporate Legal Liability

A company is protected against the financial consequences of a wide range of claims made against them, for situations including a breach of trust or duty, neglect, errors or omissions, breach of contract, libel and slander, and pollution

Discuss your requirements today

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:

-contacting your Howden Service Team
-calling Howden on 020 7623 3806
-using the enquiry form

Frequently Asked Questions

Without Management Liability insurance, directors and officers may have to draw on their own personal assets to fund a legal defence and meet an award of damages made against them.

Types of legal actions that Management Liability insurance covers you for include:

  • Breach of duty legal actions
  • Breach of trust
  • Misleading statements
  • Employment-related legal actions
  • Negligence
  • Wrongful trading

The level of cover you need depends on your business’ unique attributes and the risks you are likely to be exposed to. Aston Lark will take the time to get to know your business to ensure your policy is tailor-made to safeguard your business.