"Lloyd & Whyte truly understood the unique requirements of our listed property and secured us the right policy. The process was remarkably smooth and efficient."
Management Liability Insurance
Management Liability Insurance is designed to cover the cost of legal action and any civil settlements from allegations of wrongdoing, directed at the company as a whole or its managers, directors, and officers.
- Covers legal action costs and civil settlements arising from alleged wrongdoing against the business and its directors/officers/managers.
- Protects a wide range of roles (sole traders, partners, directors, managers, officers/trustees) facing risks like employment claims, HMRC issues, disputes, investigations and regulatory action.
- Three-part cover: Directors & Officers (D&O), Entity/Corporate Legal Liability, with Employment Practices Liability available as an optional add-on.
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Who is at risk?
Sole Traders
Partners
Company Directors
Managers
Officers
Trustees
Claims may be due to a number of things such as...
- HMRC involving financial or tax anomalies.
- Employment law, such as unfair dismissal, bullying or discrimination.
- Partnership disputes
- Shareholder disputes within provider companies
- Official investigations (such as, NHS England and the Health & Safety Executive)
- Regulatory actions such as Data Protection or those relating to the Care Quality Commission
- Common Law including incidents like environmental pollution.
Property owner obligations
There are further complications if you own and rent property, either commercially or as a private landlord. In such cases there are additional responsibilities to consider pertaining to HSE legislation like maintenance and repair, certification for gas, electricity, and carbon monoxide, plus issues relating to fire safety for example.
As a company director, officer or manager, you have unlimited personal financial liability for any decisions or actions you take. It is not just your business which needs protecting in the event of a claim: individuals can be called to account for their decisions and actions, even if they are retired.
Risks of not having cover:
Criminal prosecutions
Stress and suffering for you and your family
Disqualified as a director
Custodial Sentence
Loss of job, business and professional reputation
Why choose Management Liability insurance from Lloyd & Whyte?
Our solution can provide you with three covers in one
Our Management Liability includes Directors and Officers Liability, Entity / Corporate Legal Liability Covers and you can also opt to include Employment Practices Liability as additional cover:
Directors and Officers (D&O) Liability
D&O Liability covers directors against personal lawsuits in civil courts since directors have unlimited liability at law. It provides directors with cover for defence costs and compensation awards/damages, plus cover against any personal criminal defence costs but not any fines or penalties imposed.
Entity / Corporate Legal Liability
Covers the ‘company’ or entity for claims made against it. Cover for defence costs and damages is provided.
Employment Practices Liability (additional option to consider)
Covers directors and officers, or the company, against lawsuits relating to Employment Practice. Cover for defence costs and compensation awards.
You could even be held personally liable for not sharing this information.
If you knew that another Director or Officer of a business can sue you personally for not organising, or at least consulting the board or management team, about Management Liability insurance, would you delay any longer?
Don’t delay and obtain a quotation and show it to your management team today…
Why choose a specialist insurance broker?
Understanding the difference between Lloyd & Whyte and other insurance options
The Lloyd & Whyte difference
While comparison sites focus on price alone, we provide personalised service with expert advice tailored to your specific needs. We're with you every step of the way—from finding the right coverage to supporting you through claims.
- Expert advisers who understand complex insurance needs
- Access to multiple insurers to find the best coverage options
- Personalised service with dedicated account managers
- Claims advocacy when you need support most
- Specialist knowledge in healthcare and high-value insurance
| Features | Comparison Sites | Direct Insurers | Lloyd & Whyte |
|---|---|---|---|
| Competitive pricing | Yes | Yes | Yes |
| Independent & impartial advice | No | No | Yes |
| Specialist expertise & advice | No | Limited | Yes |
| Tailored policy recommendations | No | Limited | Yes |
| Personal account manager | No | No | Yes |
| Claims advocacy & support | No | Limited | Yes |
| Healthcare sector specialists | No | No | Yes |
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