Management Liability for Small Businesses

• Regulatory and internal investigations
• Data breach
• Environmental claims
• Health and safety claims
• Insolvency hearings
• Extradition, permanent residency and repatriation
• Damage to reputation
• Freezing of assets and disqualification
• Full limit mitigation costs cover
• Flexible retention levels

Protection for the company, including coverage for:

• Limit of liability on an any one claim basis (up to £10m)
• Costs of claims and awards incurred by the company
• Payments made to indemnify individuals
• Regulatory investigations
• Employee theft
• Kidnap response costs
• Minimum retention of £2,500.

Employment practice liability:

• Limit of liability on an any one claim basis (up to £5m)
• Regulatory costs
• Cyber bullying
• Immigration assistance
• Data breach
• Sensitivity training
• Joint venture loss
• Third party claims
• Standard retention of £5,000

Crime:

• Limit of liability on an any one claim basis (up to £5m)
• Forgery and counterfeiting
• Fund transfer fraud
• Physical loss of, or damage to, property
• Extortion
• Computer malware
• Corporate identity fraud
• Contractual penalties
• Flexible retention levels.

Included as standard in our policies:

Website recovery
As part of our Directors & Officers policy, we provide its insureds access to the DOS Technical Support Service, provided by DOSarrest Internet Security Ltd. In the event that your computer systems and websites are impacted due to a third party denial of service attack this service will help get your website up and running again with the minimum of pain.

Executive replacement
Should an accident occur that prevents a senior manager from acting in this essential capacity, we will provide our Directors & Officers clients with access to a service that provides a £50k limit to fund the temporary appointment of a replacement.

Employment Practices helpline
All our Management Liability customers have access to our helpline providing guidance and advice on a wide range of employment subjects from disciplinary to grievance issues. This is provided by leading legal firm, DAC Beachcroft.

Access to Farillio 
Our Management Liability customers have access to Farillio, an independent third party online platform that brings together leading UK subject-matter experts to offer support to our policyholders in running their businesses. Comprehensive, simple-to-follow digital recipes containing the practical and technical ingredients you need are available to you (including step-by-step video tutorials, infographics, checklists and hundreds of templates and guides), covering topics like MFA, GDPR, data management & privacy policies, employment & redundancy, funding, business planning, health & safety and more.