Management Liability Insurance

Manufacturing Insurance
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All types of business are at risk of potentially damaging claims against them. Managers, owners or partners could individually be at risk if a claim is made, which could come from a variety of different sources. Management Liability Insurance is designed to cover the cost of legal action and any civil settlements from allegations of wrongdoing, directed at your company as a whole or any of your managers, directors, and officers.

We live in a more litigious world than ever before and employees are now more aware of their legal rights, meaning your company could be at risk from employment disputes such as unfair dismissal or contract disputes. In addition, there are many health and safety issues that you encounter, all of which could pose a potential risk should something go wrong.

There has also been a shift in recent years from corporate responsibility towards personal responsibility, even when individuals have made decisions in the scope of their role within a company. This leaves more and more people exposed to claims of wrongful acts, and those with the highest risk are undoubtedly those occupying supervisory positions or leadership roles.

Clients and trade bodies might require you to have certain types of liability insurance to meet the demands of their contracts or to enable you to join professional associations.

What You Need to Know About

Management Liability insurance

Any of the areas below could instigate criminal and regulatory investigations, potentially leading to prosecution, prison sentences and being unable to work and run your business.

  • Breaches of health & safety, negligence, errors and omissions
  • Police investigations e.g. Employee and third-party fraud & bribery
  • ICO and Environment Agency
  • HMRC financial or tax anomalies
  • Insolvency
  • Employment law, such as unfair dismissal, bullying or discrimination or contract disputes
  • Partnership disputes
  • Regulatory intervention from your professional body, Data protection, Foods Standard Agency, ASA or Care Quality Commission
  • Common Law issues including incidents like environmental pollution


A Management Liability insurance policy can consist of three cover areas:

  • Directors and Officers Liability
  • Company Legal Liability
  • Employment Practices Liability

Management Liability insurance provides you with peace of mind that your businesses and your management team are covered in the event of unexpected serious legal action caused by professional and managerial errors or mistakes.


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