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Specialty

Management Liability

Kinsale’s Management Liability Division writes hard-to-place and/or distressed Directors & Officers (Private Company/Non-Profit), Employment Practices Liability, and Fiduciary Liability and School Board risks. We target risks that have been non-renewed, located in a difficult legal venue, have poor loss history, have unique operational characteristics or that are new in business. We offer our products on a stand-alone or combined basis and have the ability to customize coverage wording to fit your client’s needs.

Directors & Officers Liability (Private Company and Non-Profit Organization D&O):
  • Liability coverage for protecting executives, officers, board members, the organization (and subsidiaries), employees, trustees, regents, and governors from a variety of plaintiffs;
  • Private Company/organization target classes include Construction, Consulting Firms, Manufacturing (including pharmaceutical), Oil & Gas, Property Management, Technology Firms, Transportation, and Wholesalers/Distributors;
  • Non-profit Organization target classes include associations, charitable organizations, clubs and camps, educational, foundations and social service organizations.
Employment Practices Liability (EPL):
  • Provides protection from financial damage associated with employment related claims;
  • Target includes both For-Profit and Non-Profit risks;
  • Tough classes including auto dealers, health services, law firms, restaurants/bars and retail;
Fiduciary Liability:
  • Protects the ERISA exposures of fiduciaries from a breach of duty in the management of designated plans;
  • Target includes both For-Profit and Non-Profit risks;
  • Definition of insured includes the named organization (and subsidiaries), the sponsored plan, and other insured persons;
  • Coverage extends to Employee Benefit Liability for acts, errors, omissions associated with plan administration.
Private Educational Institution (School Board):
  • Eligible risks include K-12 to Small Colleges, Student population 5,000 or less;
  • Target classes include Charter Schools, Small Colleges, Private Schools, Professional Schools and Vocational Schools.
Policy Structure:
  • Claims-made and reported coverage form. (Note: Prior acts coverage may be considered);
  • Primary & Excess Limits up to $5M/$5M;
  • D&O minimum premium is $5,000 for $1M/$1M;
  • EPL minimum premium is $4,500 for $1M/$1M;
  • Fiduciary minimum premium $3,500 for $1M/$1M;
  • D&O, EPL, Fiduciary have variable options on deductibles;
  • School Board Minimum Premium is $10,000. The Minimum Premium is flexible based on the characteristics of the account;
  • School Board D&O Deductible is $10,000. Deductible is flexible based on the characteristics of the account;
  • School Board EPL Deductible is $25,000;
  • Duty to defend w/consent to settle wording;
  • Risk Management Hotline available for D&O and EPL questions;
  • Customized Coverage available based on the merits of the account.