Management Liability

Management Liability insurance is a bundled policy that combines several key protections into one package: Directors & Officers Liability, Employment Practices Liability (EPL), Statutory Liability, and Crime/Fidelity cover. For SMEs and mid-market companies in New Zealand it is often more cost-effective than buying each cover separately, and ensures no gaps between policies.

Typical premium: $1,200–$5,000/year

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Key Benefits

✓D&O, employment practices, statutory and crime covers in one policy
✓Employment disputes including unjust dismissal and harassment claims
✓Protection against employee theft and fraud
✓Covers regulatory fines and penalties (where insurable by law)
✓Crisis management and PR cost cover often included
✓Simpler administration — one policy, one renewal date

Who Needs This Cover?

→SME owners and directors
→Companies with employees (EPL exposure)
→Businesses in regulated industries
→Companies concerned about internal theft or fraud
→Boards wanting comprehensive management protection

Typical Claims

📋 Employee unfair dismissal claim against director personally

📋 Workplace harassment allegation

📋 IRD audit and tax shortfall penalty

📋 Employee embezzlement or financial fraud

📋 Breach of contract claim by a former employee

Management Liability — FAQs

Management liability is the broader package — it includes D&O cover plus employment practices liability, statutory liability, and crime cover. D&O on its own only covers directors and officers for wrongful management acts.

Yes — public liability covers third-party bodily injury and property damage. Management liability covers internal management decisions, employment disputes, and regulatory actions, which public liability does not.

Absolutely. Even a sole director of a small company faces personal liability and employment disputes if they have staff. Management liability is well-suited to SME directors.

Other Coverage Types

🏛️Directors & Officers (D&O) Liability 📋Professional Indemnity ⚖️Statutory Liability

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