Excess Claims-Made

Management Liability insurance plays a critical role in the risk portfolio of small and low mid- market businesses. While many brokers traditionally focus on core property and casualty lines, Management Liability is where we increasingly see the most severe and unexpected exposures—especially for private and nonprofit entities. D&O claims, EPL suits, and fiduciary liability allegations have become more frequent and costly, often stemming from common operational decisions or employment-related actions. These are not just issues for public companies; in fact, private businesses often lack the internal resources or legal buffers to weather such claims without significant financial and reputational damage.

For brokers serving the small to low mid-market segments, offering Management Liability coverage is not just an opportunity—it’s a responsibility. These businesses are more exposed than ever to claims from employees, shareholders, competitors, and regulators. By including this coverage in your risk management discussions, you position yourself as a strategic advisor who understands the evolving liability landscape. Helping clients secure a Management Liability policy not only protects their balance sheets and leadership teams, but also reinforces your role as a trusted partner in their long-term success. This line of coverage is no longer optional—it’s essential.