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
Excess Liability:
- $10,000,000 limit capacity over private companies, nonprofits, and small or micro-cap public companies ($5 million primary attachment point on public)
- Top-heavy excess available
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
- Executive Supplemental Limit, Employed Lawyer Professional Liability, and Crisis Management Expense options may be available on select accounts.
