Management Liability

Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and legal trends mean we can effectively manage your risks in real timeā€”an imperative in this ever-changing business environment.

Professional Liability (E&O) Directors & Officers Employment Practices Liability Healthcare Other Coverages
Fiduciary Liability

The passage of the Employee Retirement Income Security Act of 1974 (ERISA) substantially increased the liabilities of fiduciaries in the United States. Under ERISA, an individual (or organization) is deemed a fiduciary if that person (or entity) exercises any discretionary authority or control over the management of any type of employee benefit plan.

In particular, any person responsible for the investment, control or disposition of assets held by the plan would be considered a fiduciary. ERISA broadly defines “employee benefit plans” as any one plan, fund or program established or maintained for the purpose of providing to its participants or beneficiaries employee benefits.

Fiduciaries can also be held liable for the acts, errors and omissions of outside entities that provide administrative and related services. Outside entities include those organizations that service pension and benefit plans, such as consulting and actuarial consulting firms, law firms, accounting firms, professional administration firms, investment advisers and investment management companies, and the trust departments of financial institutions.


A Crime policy protects against employee theft including embezzlement, forgery or alteration. Additional insuring agreements include computer fraud coverage, funds transfer fraud coverage, money order and counterfeit currency fraud coverage, credit card fraud and client coverage. The policy can also be amended to include Social Engineering Fraud coverage.

Kidnap & Ransom

Provides financial reimbursement and professional crisis managers who are experienced in negotiating with kidnappers or extortionists.