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E&S Management Liability
Protection for private companies and non-profit organizations from today’s growing risks
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Today’s businesses and non-profit organizations face increasing risks in our changing market, from an escalation in lawsuits targeting executives, to employment-related offenses, mismanagement, ERISA-related claims, fraud, theft, and more. Through its A+ rated carriers, Munich Re Specialty
makes available to its select wholesale brokers best-in-class E&S Management Liability solutions that deliver critical, closely tailored coverage to help meet clients’ toughest challenges.
Comprehensive coverage
- Directors and officers (plus entity): Protects individuals from personal losses arising out of serving as a director or officer of a business or organization and protects the entity as well.
- Employment practices: Protects the company or organization from losses arising out of employment-related offenses such as wrongful termination, harassment, discrimination, whistleblower retaliation, and other offenses.
- Fiduciary: Protects the entity and insured persons from losses arising from ERISA or ERISA-related type claims, mismanagement, and legal liability.
- Crime: Protects the organization’s balance sheet from fraud and other dishonest acts by employees or third parties.
Powerful advantages for your clients
Highly-customized coverage – Creative, tailored coverage to meet even the most complex client needs
Best-in-class underwriting – Deep expertise and a commitment to delivering innovative, value-added solutions
Superior claims service – Our in-house claims team includes attorneys with strong analytical and problem-solving skills, and deep backgrounds in legal strategy and litigation management
Strengths of our A+ carriers – Financial stability and capacity
Management Liability coverage details
Directors & Officers (plus entity)
Employment Practices
Fiduciary
Crime
Excess coverage
A-side coverage
Duty to defend
Punitive damages (where insurable by law)
Automatic coverage for subsidiaries
Defense cost allocation 100%
Automatic acquisition threshold 100%
Non rescindable
Liberal reporting requirements
A+, XV (Superior) AM Best financial strength rating
Target classes
Employment loss prevention resources for insureds
A well-informed company is in a better position to address employment issues before they turn into litigation.
To help insureds stay on top of the latest employment laws, regulations and trends Munich Re Specialty offers MyEPLLossPrevention.com, a dynamic employment risk management portal that includes web-based training and online resources on current employment issues. This is included with primary Employment Practices Liability policies at no additional charge.
Insureds can receive:
- Alerts, articles, and publications on employment exposures
- Online training modules on employment practices
- Model employment forms and policies
- The Best Practice Help Line
- …and more
* Insureds who purchase a primary Munich Re Specialty E&S Employment Practices Liability policy will receive information on MyEPLLossPrevention.com in their coverage binders. Check out MyEPLLossPrevention.com for a preview of what insureds can receive.
Claims scenarios
D&O — A disputed company valuation
Employment Practices Liability — Accusation of wrongful termination
D&O — Price-fixing investigation
Download for more information
Our underwriting team stands ready to deliver creative solutions to clients’ complex coverage needs and to providing service excellence, flexibility, and fast responses (even if it’s a no). We are dedicated to building relationships based on trust and transparency.
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About Munich Re Specialty
Munich Re Specialty – North America products and services are offered by and provided through insurance companies and producers/surplus lines brokers that are eligible or licensed in accordance with the laws and regulations of individual jurisdictions. Products and services are not available in every, and may vary by, jurisdiction. The information provided on this site is intended as general information only and does not constitute an offer to sell or a solicitation to purchase insurance or non-insurance products and services. Please be aware that the insurance policy and not any information provided on this site will form the contract between the parties thereto, and will govern in all cases. Munich Re Specialty – North America’s insurance products and services in the United States, Canada, and the United Kingdom are underwritten and provided by or through one or more of the insurers, producers/surplus lines brokers that are members of the Munich Re Group identified below. Each company is financially responsible only for insurance policies it has issued.
For more information on Munich Re Specialty, including licensing, regulatory-required, and other information on the operating companies, please click here.