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Management Liability Insurance

Protection for directors, officers, and businesses against personal liability claims, employment disputes, and regulatory investigations.

D&O + EPL

Combined Cover

SME Focus

Tailored Policies

Australia

Wide Coverage

Recognition

Industry Awards

POLICY SCOPE

What does Management Liability insurance actually cover?

Management Liability is a packaged policy that protects business owners, directors, and the company itself from claims arising from management decisions and employment practices.

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A female executive presenting a Q3 strategy review to a board of directors in a modern corporate boardroom.

Usually Covered

✓ Directors & Officers liability – personal liability protection for management decisions that result in financial loss to third parties
✓ Employment Practices Liability (EPL) – claims from current, former, or prospective employees including unfair dismissal, discrimination, and harassment
✓ Company reimbursement – covers the company when it indemnifies directors and officers for covered claims
✓ Statutory liability – fines and penalties for unintentional breaches of workplace health and safety or other legislation
✓ Defence costs – legal fees to defend claims, even if the claim is ultimately unsuccessful
✓ Wrongful termination claims – protection when a former employee alleges unfair or unlawful dismissal
✓ Third-party discrimination claims – claims from clients or suppliers alleging discriminatory conduct

Not Typically Covered

✕ Intentional fraud, dishonesty, or criminal conduct by the insured
✕ Claims arising from known circumstances not disclosed to the insurer
✕ Bodily injury or property damage (covered by Public Liability)
✕ Professional negligence in service delivery (covered by Professional Indemnity)
✕ Pollution or environmental liability (requires separate cover)
✕ Claims related to insolvency where directors traded while insolvent

Policy wordings vary between insurers. We review the fine print to ensure your specific exposures are covered.

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RISK ASSESSMENT

Does your business need Management Liability insurance?

Management Liability is relevant for any business with employees, a board structure, or directors who could be held personally liable for business decisions.

Businesses with employees – EPL exposure exists from day one
Companies with directors or a formal board structure
Scale-ups and growth-stage businesses adding staff quickly
Businesses in regulated industries facing compliance obligations
Companies tendering for contracts that require ML cover
Startups with investors or external shareholders
Businesses that have previously faced employee disputes
Any Pty Ltd where directors could be personally liable

If you have employees or make decisions that affect third parties, you likely have exposure that Management Liability can address.

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CLIENT SUCCESS

How have we helped businesses secure Management Liability cover?

An example of how we've helped an Australian business secure the right Management Liability cover.

COMMON QUESTIONS

What do business owners ask about Management Liability?

Directors & Officers (D&O) insurance is one component of a Management Liability policy. Management Liability is a packaged product that typically combines D&O cover with Employment Practices Liability, Statutory Liability, and sometimes Crime/Fidelity cover. For most SMEs, a Management Liability package is more practical than buying each cover separately.
Yes. Directors can be held personally liable for decisions that cause financial loss to shareholders, creditors, or third parties. This includes allegations of mismanagement, breach of fiduciary duty, or failure to act in the company's best interests. D&O cover within a Management Liability policy protects directors' personal assets in these situations.
Yes. The Employment Practices Liability (EPL) section covers claims from employees alleging unfair dismissal, wrongful termination, discrimination, harassment, or failure to promote. This is one of the most frequently claimed sections of a Management Liability policy.
It's not legally mandatory, but many contracts, investors, and funding agreements require it. For any business with employees or a board structure, the exposure is real and the cost of defending a claim without cover can be significant.
Premiums depend on factors including number of employees, industry, claims history, and the limits you need. For a small business, premiums can start from a few hundred dollars annually. We compare the market to ensure you're not overpaying for the cover you need.
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Need Management Liability cover for your business?

Whether you're a startup, scale-up, or established business with employees, we can help you find the right cover.

Sydney-based. Backed by the Steadfast Network and NIBA members.

Call 02 9000 1155 Get a Quote →

Expert Review: 03/01/2026

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