Key Features
- Directors’ and Officers’ Liability – covers directors’ personal wealth for defence costs and awards made against them from claims such as those made by individual shareholders or for defence against regulatory claims, e.g. trading standards
- Corporate Legal Liability – covers your client against defence costs and awards associated with events such as alleged breaches of regulations in tax, health and safety, trading standards or corporate manslaughter
- Employment Practice Liability – covers your client and their employees against defence costs and awards from employment claims such as sexual harassment or wrongful dismissal
Who it is for
- We can consider all UK Private Limited Companies (PLCs), regardless of turnover
Management liability portfolio cover in our sectors
Technology
We have a very broad appetite for UK technology businesses with turnover amounts up to £1 billion.
Core appetite (Risks we love): We can insure most business types in this sector.
Edge of appetite (Risks we'll try our best to find a way): Gambling or gaming technology.
Key features & benefits
- We understand the unique needs of fast-growth companies and can scale cover as they grow
- We offer specific cover for clients with private equity investment
- Claim and investigation mitigation costs included
- Full auto-acquisition cover for any UK acquisition
- Pre-set extended notification periods of up to six years;
- Additional defence/ representation costs for additional defendants when limit is exhausted
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Marketing, Media & Creative
We can insure most business types in this sector.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Events & Event Organisers
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Health, Beauty & Wellbeing
We can insure most businesses in this sector for this product.
Core appetite (Risks we love): Dental professionals, occupational health, recruitment, optician risks
Broader appetite (Risks we like): Talking professionals, dental professionals, occupational health, recruitment, optician risks
Edge of appetite (Risks we'll try our best to find a way): Surgical beauty treatments, care homes, drug and alcohol rehabilitation
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Sports & Leisure
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Training & Tutors
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Consultancy & Professional Services
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Charity, Not for Profit & Public Sector
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Specialist & Independent Retail
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Trades, Construction & Engineering
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Property Owners & Management
We can insure most businesses in this sector for this product.
Wording highlights
- 'Any One Claim' options
- We do not automatically aggregate our three towers
- Pre-investigation costs
- Investigation and claim mitigation costs
- Emergency defence and legal representation costs
- Cyber: failure to manage, respond or awards (against insured person) for loss of data
- Dishonesty of employees
- Very broad definition of insured person (includes employees)
- Automatic acquisition clause for UK
- Pre-set extended notification periods
- Additional defence or legal representation costs (if others have exhausted)
- Broad pollution cover
- Automatic 30 days cover for Management Buy Out's
- Injunctions brought by the Equalities and Human Rights Commission
Meet The Team
Our team of specialist underwriters have a deep understanding of the sectors we operate in.
Bronwen Horn
Head of Management Liability Portfolio & Financial Institutions
[email protected]
Tel: 0121 7560 585
Mob: 07741 270 297
Simon Twitchett
Senior Development Underwriter – Management Liability Portfolio
[email protected]
Tel: 0161 2408 916
Mob: 07483 930 579
Brogan Mills
Underwriter – Management Liability Portfolio
[email protected]
Tel: 0808 2582 237
Why choose Hiscox?
- The policy automatically includes cover for changes in the client’s company whether through growth or acquisitions
- Management Liabilities can be added to our professional indemnity and commercial policies and be handled by the same underwriter
- Clients of our management liability portfolio can also choose to have access to our Business Human Resources (HR) service at a discounted rate. Business HR Solutions helps organisations stay on top of human resources and health and safety legislation
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