Management Liability Insurance (D&O, EPL, and Fiduciary)

We place directors and officers (D&O) for private companies and nonprofits, employment-practices liability (EPL), fiduciary / pension-trust liability, employee-benefits liability, and crime / fidelity. Religious organizations have a specific D&O and counseling exposure we treat as its own underwriting story, not a generic office policy.

Employment-practices liability is the management line most small employers actually use. Harassment, discrimination, wrongful termination, and related third-party claims (a customer alleging discrimination by staff) sit here. Wage-and-hour treatment varies by form and is often limited or excluded; we will not bury that.

Private-company D&O protects the entity and the people on the board or in officer roles against claims alleging mismanagement. Nonprofits and churches need it for board recruitment as much as for balance-sheet protection. Side-A language matters when the company cannot indemnify the individual.

Employee-benefits liability (often an endorsement on the package) is not the same as fiduciary liability. EBL is about administration errors — a late enrollment notice, a wrong election. Fiduciary liability is about plan-asset and plan-decision duties. Growing employers with a retirement plan usually need both conversations.

Crime coverage — employee dishonesty, funds-transfer fraud, money and securities — belongs in the same review. Identity-recovery expense appears on some package forms; we treat it as a small extra, not as cyber or crime coverage.

• Directors and officers Private-company and nonprofit D&O, including religious-organization boards.
• Employment-practices liability Employee and, where elected, third-party discrimination and harassment claims.
• Fiduciary and employee-benefits Plan-level duties and everyday benefits-administration errors.
• Crime and fidelity Employee theft and related financial crime against the company or a client.