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Executive/Management Liability

Discrimination charges against employers increased more than 20% in the past decade

Directors and Officers in a corporation are much like the officers on a ship—they navigate their business through the sometimes choppy waters of the business world. And like the officers of the ship, they assume responsibility for the outcomes of their choices. In an increasingly regulated and litigious business environment, corporate executives can see their assets at risk for decisions they made as the leader of a company.

Burns & Wilcox provides access to Executive Liability Coverage that will limit your clients’ exposure to the financial risk of fines and court costs. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.


Your clients do their best to hire employees that are competent, hard-working and trustworthy. All too often, bad apples will make their way through the recruitment process and be in a position to take advantage of the trust their employer has given them. Having criminals in the workplace is a serious danger to the financial health of businesses.

Burns & Wilcox can provide access to Crime Coverage that will limit your clients’ exposure to the financial harm caused by employee theft. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.

Directors and Officers (D&O)

Traditional D&O policies may not be enough to protect your clients. Independent Director Liability Insurance from Burns & Wilcox offers an additional layer of protection from costly professional liability exposures.


Employment Practices Liability (EPLI)

Discrimination claims result in defense and settlement costs totaling $160,000 on average, illustrating how severely these claims can impact an organization’s bottom line.

Each year the Equal Employment Opportunity Commission (EEOC) files an average of 93,366 charges against employers for workplace discrimination, including sexual harassment, age, race, disability and equal pay discrimination. It is important to ensure your clients adopt guidelines for proper employment practices to mitigate their exposure and limit financial losses.

Burns & Wilcox can provide EPLI Coverage and consultative resources to assist your clients with instituting policies and procedures for hiring, terminating and running their business in accordance with the law.

Fiduciary Liability

Many people spend their entire careers planning for retirement, dreaming of summers touring the country and winters on a beach. However, retirements saving plans are subject to the whims of the stock market. When the market shifts and they lose a portion of their future income, they look to their plan administrators for answers and, in some cases, compensation. As a result, professionals who administer benefit plans can be faced with costly litigation. Obtaining Fiduciary Liability Coverage is an important first step in ensuring that the professionals who direct benefit plans are protected from the financial fallout of litigation.

Burns & Wilcox, a leading provider in wholesale insurance, can arrange for Fiduciary Liability Coverage for your clients. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.


Public Entity

Public entities, including municipalities, state and federal governments and their agencies, have unique risk exposures that differ from the types of risks found in the private sector. That makes themexceptionally challenging to properly insure using standard policies. Public Entity Coverage provides a customized package that protects governments and their agencies from financial harm when accidents happen.

Burns & Wilcox provides access to specialty coverage that your clients need to keep the wheels of government turning. Coupled with our extremely fast submission response time and low minimum premiums, Burns & Wilcox is one of the leading providers for wholesale insurance.

Coverage Details and Features

  • Public D&O
  • Private D&O
  • Non-Profit D&O
  • Public Officials/Public Entity D&O
  • EPLI
  • Fiduciary Liability
  • Crime Liability
  • Kidnap & Ransom

Ask an Expert

What is executive liability insurance and what does it cover?
Executive liability, also called management liability, is an inclusive term for an insurance package that incorporates a suite of standalone products to protect against management-related risk exposures. It offers coverage against lawsuits brought on by third-party actors or employees aiming for monetary gain. An executive liability package typically includes the following: directors & officers (D&O), employment practices and liability (EPLI), fiduciary, crime, and kidnap and ransom. Typically these coverages are offered separately, so many agents aren’t aware that the five pieces can be packaged together.
What’s the benefit of having an executive liability package over piecemeal, one-off coverages?
A packaged approach is ultimately structured to best protect the organization. Without a package, multiple carriers often cover different risk exposures, causing gray areas of responsibility when claims are filed as well as the potential for gaps in coverage.
What types of clients are best suited for a ‘packaged’ approach?
An executive liability package most often benefits non-profits, private companies and small publicly traded companies. It can be difficult to place the risks of large public companies with a single provider, so they often hold individual policies. At Burns & Wilcox Professional Liability Center of Excellence, we specialize managing these collective risks. We can help you understand the risks your clients face and will work with you to identify what type of policy is the right fit.


Car dealership with open EEOC claims


University with multiple EEOC claims


Global medical/pharmaceutical supplier


Global specialty truck manufacturer


Large municipality


Surgery center with EPLI $1M limit including full limit 3rd party, $150,000 W&H sub-limit, additional $1M limit for defense


Nursing home with D&O $1M limit and EPLI $2M limit including full limit 3rd party


Medical software developer with D&O $1M limit, EPLI $1M limit including full limit 3rd party, $150,000 W&H sub-limit, additional $1M limit for defense

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