Management Liability Insurance

What is Management Liability Insurance?

Management Liability Insurance provides protection against risks experienced with running businesses. Without correct insurance you could risk losing not only your business, but also your personal assets.

Common claims under Management Liability Insurance include:

  • Unfair / wrongful dismissal, discrimination, harassment
  • Defamation by directors / officers
  • Employee theft
  • Statutory fines & penalties (OH & S)

The statistics are frightening

95.9% of all businesses in Australia are within the “Small/Medium” (SME) market segment.

Management Liability Insurance is not just for corporations or large companies, it has been developed for small / medium sized businesses and the multitude of exposures they face on a daily basis. The world is becoming more litigious and this coverage can help with peace of mind.


unfair dismissal claims every year. Each claim is >$50k in fees.


is the average cost for a discrimination claim.


of employee frauds take 3+ years to be detected.


increase in legal costs over the last 5 years.

What can it cover?

Management Liability Insurance is a packaged product which will normally cover:

Protection for directors and officers (past and present) involved in the management of a company for claims of a wrongful act during the period of insurance.

Protection to the company, directors & officers for claims made by employees for issues arising from employment practices, including harassment, unfair dismissal and other employment issues.

Protection for loss arising from dishonest acts such as theft and fraud by employees.

Protection against statutory fines and penalties including fines related to occupational health & safety.

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