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.
Management liability cover can help to protect individuals and companies from issues arising from leadership decisions, employment and workplace disputes or fraud, pension and regulatory exposures.
Why choose us for Management Liability insurance?
We bring together underwriting expertise, claims support and flexible cover options to help protect organisations and their leadership teams when it matters most.
We offer a full suite of Management Liability products including:
- Directors & Officers' (D&O)
- Corporate Legal Liability (CLL)
- Employment Practices Liability (EPL)
- Pension Trustee Liability (PTL)*
- Employee Dishonesty*
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.
*Offered as standard where certain limits may apply
What does the cover do?
Management Liability insurance helps protect businesses and their leaders against the legal and financial consequences of running an organisation.
Claims can come from a wide range of sources: regulators, shareholders, employees, customers or other third parties. Our cover is designed to help respond to these risks by helping to protect both individuals and the company.
The policy brings together protection for:
- Directors’ and Officers’ - covering claims and investigations against individuals arising from how the business has been managed, including alleged breaches of duty, negligence and governance failures.
- Company liability - covering certain legal claims and regulatory investigations brought directly against the company.
- Employment-related matters - covering certain workplace claims, including allegations of unfair dismissal, discrimination, harassment and other employment practice breaches.
- Pension trustee risks - covering trustees and other insured persons against claims and investigations arising from the administration of pension or employee benefit schemes.
- Employee dishonesty - covering certain direct financial losses caused by employee theft, fraud or other dishonest acts.
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.
All covers are subject to the terms, conditions, exclusions and limits of the policy.
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Head of Management Liability
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.
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.
Our underwriting appetite
Our diverse underwriting appetite allows us to write more than you may think.