Management Liability

Kinsale’s Management Liability Division writes hard-to-place or distressed Directors & Officers, Employment Practices Liability, and Fiduciary Liability. We target risks that have been non-renewed, are located in a difficult legal venue, have experienced poor loss history, have unique operational characteristics, or 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: Cannabis (including cultivation, dispensaries, product manufacturers, retailers, and more), Construction, Consulting Firms, Manufacturing (including pharmaceutical), Oil & Gas, Property Management, Technology Firms, Transportation, Wholesalers/Distributors
    • Non-profit organization target classes: 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
    • Target classes: Auto Dealers, Cannabis (including cultivation, dispensaries, product manufacturers, retailers, and more), Health Services, Law Firms, Restaurants/Bars, and Retail

Fiduciary Liability (FL):

  • 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, and omissions associated with plan administration


Policy Structure:

  • Claims-Made and Reported coverage form
    (Note: prior acts coverage may be considered)
  • D&O, EPL, and Fiduciary have variable options on deductibles
  • Up to $10M available in total limits; excess coverage available through Kinsale’s Excess Professional Division
  • Executive Supplemental Limit, Employed Lawyer Professional Liability, and Crisis Management Expense options may be available on select accounts.