Directors & Officers / Management Liability Insurance

Protect directors, officers and managers from personal liability arising from business decisions, regulatory breaches and employment-related claims.

Protects directors and officers from personal liability
Covers company liability and employment practices claims
Defence costs for regulatory investigations
Structured for SMEs, private companies and not-for-profits

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Request a Management Liability Quote

Full Name

Company / Organisation name

Email Address

Phone Number

Industry / business type

Number of Directors / Officers / Board Members

Number of Employees

Annual Turnover Range

No obligation. Cover structured to suit your organisation and governance risks.

Understanding Your Cover

What Is D&O / ML Insurance?

Directors & Officers (D&O) insurance and Management Liability insurance protect individuals involved in managing a business against personal liability arising from decisions made in the course of their duties.

Claims may allege breaches of duty, negligence, misleading statements, regulatory non-compliance or employment-related issues. Even where allegations are unfounded, defence costs can be significant. Management liability insurance is a broader solution that typically combines D&O cover with protections for the company itself, employment practices and statutory risks.

Is This For You?

Who D&O / ML Insurance Is For

Directors & Officers and Management Liability insurance is commonly arranged by:

Company directors and officers

Small to medium enterprises (SMEs)

Private and family-owned businesses

Public and proprietary companies

Start-ups and scale-ups

Not-for-profit and charitable organisations

Boards, trustees and committee members

Senior executives and managers

Note: Any organisation with decision-makers, employees or regulatory exposure should consider this cover.

Cover Options

What Does D&O / ML Insurance Typically Cover?

Directors & Officers Liability

Protects directors and officers against claims alleging wrongful acts, breaches of duty, negligence, mismanagement or misleading statements.

Company Liability

Covers the business entity where it is legally permitted to indemnify directors or where the company itself is named in a claim.

Employment Practices Liability (EPL)

Covers claims by employees or contractors alleging unfair dismissal, discrimination, harassment, bullying or workplace misconduct.

Statutory Liability

Provides cover for defence costs and certain fines or penalties arising from alleged breaches of legislation (where legally insurable).

Beyond the Basics

Additional Covers & Policy Extensions

Legal defence costs (often paid in advance)
Regulatory investigations and inquiries
Cyber management liability extensions
Outside directorship liability
Automatic reinstatement of limits
Tax audit defence costs
Run-off for retired or resigning directors
Public relations expenses

Policy Options

How D&O / ML Insurance Is Structured

Policy Structure

Management Liability Insurance is written on a claims-made basis, requiring the policy to be active when a claim is made and notified. It typically combines Directors & Officers, Employment Practices, and Statutory Liability under one annual policy.

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Key Features

Continuous cover is critical, as gaps can restrict prior acts protection and expose directors personally. Retroactive dates determine how far back cover applies, with limits and premiums influenced by company size, turnover, and governance controls.

Why It Matters

Tailored management coverage solutions

Directors can be personally liable, even in private companies

Legal defence costs can be substantial, even if allegations are unfounded

Claims may arise from employees, regulators, shareholders or creditors

Company indemnities may be limited or unavailable

Not-for-profit directors often have limited personal protection

Protect Your Directors, Officers and Organisation

Speak with a broker who understands governance and regulatory risk.

Get My Management Liability Quote

Important: Policy coverage, exclusions and limits vary significantly between insurers. Claims involving deliberate dishonesty, fraud or criminal acts are excluded. Fines and penalties are only covered where legally insurable under Australian law. Advice from a Seguro insurance broker is recommended to ensure appropriate protection.

FAQ's

Management liability insurance is a packaged policy that typically includes directors & officers liability, company liability, employment practices liability and statutory liability cover.

No. Directors of SMEs, start-ups and not-for-profits can be personally exposed to claims and should consider D&O cover.

Yes. Directors can be held personally liable for breaches of duty, regulatory non-compliance or employment claims, regardless of company size.

Yes. Employment practices liability cover protects against claims such as unfair dismissal, discrimination or workplace harassment.

Defence costs are usually covered. Fines and penalties are only covered where legally insurable under Australian law.

Run-off cover protects directors against claims made after they retire or resign, relating to decisions made during their tenure.

If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.

Yes. Management liability insurance is particularly important for not-for-profits, where directors may have limited indemnification.

Many policies include cover for inquiry and investigation costs, subject to policy terms.

Pricing depends on factors such as turnover, industry, employee numbers, claims history and governance practices.

A broker ensures the policy aligns with your organisation’s structure, regulatory exposure and contractual obligations, and assists with claims management.

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