- (937) 404-1040
- Mon - Fri: 8:30am - 5:00pm EST
Management Liability insurance protects a company’s leadership, balance sheet, and internal operations from claims that arise out of how the business is run. These risks are not tied to accidents or physical damage. They come from decisions, employment actions, and internal wrongdoing.
Cogo Insurance structures Management Liability programs that combine Directors and Officers Liability, Employment Practices Liability, and Crime Insurance into a coordinated coverage solution for privately held companies, growing businesses, partnerships, nonprofits, and organizations with employees and financial controls.
Directors and Officers Liability insurance protects directors, officers, managers, and in many cases the company itself from claims alleging wrongful acts in the management of the organization.
Business decisions affect employees, investors, partners, lenders, regulators, and customers. When outcomes are disputed, leadership is often named personally in lawsuits, even when there is no wrongdoing.
Common D&O claim triggers include:
Without D&O coverage, personal assets of leadership may be exposed.
Typical D&O coverage includes:
Defense costs alone can be significant.
Employment Practices Liability insurance protects the company and its leadership from claims brought by employees or former employees related to workplace practices.
Employment claims are among the most common and costly lawsuits faced by businesses of all sizes. Even small companies with only a few employees face exposure.
EPLI claims commonly involve:
Claims can arise even when the company believes it acted appropriately.
Crime Insurance protects the company from financial loss caused by dishonest or criminal acts committed by employees or third parties.
EPLI coverage typically includes:
EPLI often coordinates closely with D&O coverage, but it is a distinct and necessary protection.
Internal theft and fraud are among the leading causes of financial loss for businesses. These losses are often uncovered only after significant damage has occurred.
Crime losses commonly involve:
These losses are not covered by General Liability or D&O insurance.
Crime policies may include:
Crime Insurance protects the company’s cash flow and financial stability.
D&O, EPLI, and Crime Insurance address different aspects of management risk, but they often overlap in real world disputes.
A single situation can trigger:
Cogo Insurance structures these coverages together to avoid gaps, overlaps, and inconsistent definitions.
This combined coverage is appropriate for:
Company size does not eliminate management liability exposure.
Limits vary based on size, structure, and exposure.
Common ranges include:
Cogo Insurance helps select limits based on governance and financial risk.
We work with a wide range of industries and ownership structures.
Management Liability insurance protects decision makers, employees, and the company itself.
No. Privately held and closely held businesses frequently face management related lawsuits.
Yes. EPLI typically covers claims brought by current, former, and prospective employees.
Yes. Many crime losses involve long trusted employees and sophisticated fraud schemes.
They address different risks but are designed to work together when structured properly.
No. They are often required by investors, lenders, boards, or operating agreements.
Yes. We review governance, employment exposure, and financial controls to align coverage with real risk.
