Management Liability insurance

Manage your risk in the face of the spotlight

In today’s complex legal and regulatory landscape, directors and officers face heightened personal exposure arising from the decisions they make on behalf of their organisations. Heightened scrutiny from regulators, employees, investors and shareholders means that actions taken by public, private and not‑for‑profit entities alike are constantly under the microscope.

Why choose us for Management Liability insurance?

We bring long‑standing underwriting expertise and a strong claims proposition to Management Liability risks, supporting organisations and their leadership teams when it matters most.

We offer a full suite of Management Liability products including our Blended Management Liability policy, standalone Directors and Officers (D&O), Pension Trustee Liability (PTL) & Commercial Crime.

Our Blended Management Liability policy, combines D&O, Corporate Legal Liability (CLL) and Employment Practices Liability (EPL), and is designed to respond to both traditional and emerging exposures facing directors, officers and organisations. It provides comprehensive protection for Private and Not‑for‑Profit entities with annual revenues of up to £250 million, and can be arranged either as part of a wider insurance programme or on a standalone basis.
For larger, more complex, global or publicly listed organisations, or where dedicated protection is required, we also offer standalone Directors’ and Officers’ (D&O) coverage. These solutions are backed by significant underwriting capacity, enabling us to support large lines, multinational programmes and bespoke structures on a primary and excess basis.
We also offer standalone Pension Trustee Liability (PTL) cover on a primary and excess basis, providing trustees with protection against their individual liability in respect of company pension plans.

We take a flexible, client‑focused approach, working closely with brokers and insureds to understand individual risk profiles and tailor cover to the exposures faced through our suite of Management Liability solutions.

Alongside our insurance cover, Aviva customers benefit from a range of support services and helplines designed to help navigate the complexities of running an organisation, including legal, tax, risk management and employee wellbeing support:

Legal and Tax helpline – for advice on legal or tax matters in the UK
Risk Solution helpline – for advice on safety, fire, security and other issues
Counselling Service helpline – confidential service available to your staff to help with deal personal issues such as bereavement, divorce, etc
Business Law – this service is built specifically to help businesses manage a wide range of business and legal issues

We can also offer crime insurance for a wide variety of commercial clients such as those from the industrial, retail, professional and public sectors. We can offer crime cover as a primary, excess or co-insured policy.

What does the cover do?

Our Management Liability policy is designed to protect against a wide range of potential claims brought against both individual directors and officers and the organisation itself.

The policy provides a blended solution, combining D&O, entity cover under Corporate Legal Liability (CLL) section, and Employment Practices Liability (EPL) cover. Each section of cover under our Management Liability policy carries its own standalone limit of indemnity, providing ring‑fenced protection for individuals or the company, and helping to preserve available limits where claims arise under separate sections of the policy.

For organisations where dedicated protection is required, our standalone D&O policy responds to claims arising from alleged wrongful acts committed by directors and officers in the course of managing and governing an organisation. This can include claims brought by regulators, shareholders, employees or other third parties, helping to protect individuals against personal liability.

Cover includes defence, investigation and legal costs, as well as damages, providing support from the earliest stages of an investigation through to the conclusion of legal proceedings.

GCS Management Liability Lead

Daisy Laskey

Daisy leads a team of underwriters focusing on the Management Liability & Crime classes of business, including D&O, Crime, ML, PTL, EPL and POSI, across London and the UK. She has over 17 years’ experience in the Financial Lines space having worked in both Management Liability and Financial Institution classes of business at large global insurers.

Contact Daisy here ""

Multinational Capabilities

We can lead global insurance programmes worldwide through our London-based Multinational Hub and our partner network covering 180 global territories. We strive to provide a seamless, client-focused end-to-end service – creating controlled master programmes for corporate clients.

Learn more about multinational capabilities "Read more about Multinational Capabilities"