Management Liability
Directors, officers and the companies they lead face claims from investors, employees, regulators and plan participants. Management liability brings together D&O, employment practices, fiduciary, crime and kidnap & ransom coverage to protect leadership and the balance sheet.INP Specialty helps producers structure management liability programs that keep pace with ownership changes, workforce shifts and new exposures, with clear explanations of how each coverage part responds.
Lines we place
Directors & Officers
Ownership changes, new investors and protection for directors and officers.
Employment Practices
Workforce changes and gaps in existing employment practices coverage.
Fiduciary Liability
Liability arising from the management of employee benefit plans.
Crime
Employee theft, fraud and the movement of funds.
Kidnap & Ransom
Kidnapping, extortion and crisis-response needs.
Our Approach
Management liability claims often start with a business event: a financing round, an acquisition, a reduction in force or a change to a benefit plan. We look at where your client is going, not just where it is today, and review wording for the exposures those events create, from insured-versus-insured and change-in-control provisions to shared or separate limits across coverage parts.Our Strategy
We work with a select group of carriers that write management liability across private, nonprofit and public companies. Our strategy focuses on:
- Program structure across coverage parts, with shared or separate limits.
- Wording review for the definitions and exclusions that decide claims.
- Guidance through ownership changes, financings and transactions.
- Claims advocacy and access to crisis-response resources.
Trends we are tracking
Event-Driven D&O Claims
Shareholder and investor claims increasingly follow operational events rather than financial results: a cyber incident, a product failure, or statements about AI capabilities that do not hold up. Boards are expected to show oversight of these risks, and D&O underwriters are asking how they do it.
Event-Driven D&O Claims
Shareholder and investor claims increasingly follow operational events rather than financial results: a cyber incident, a product failure, or statements about AI capabilities that do not hold up. Boards are expected to show oversight of these risks, and D&O underwriters are asking how they do it.Employment Claims After Workforce Changes
Reductions in force, return-to-office policies, pay transparency laws and remote hiring across states are all driving employment practices claims. Wage and hour allegations are often excluded or sublimited, so understanding what the policy covers before a restructuring matters as much as the limit.
Employment Claims After Workforce Changes
Reductions in force, return-to-office policies, pay transparency laws and remote hiring across states are all driving employment practices claims. Wage and hour allegations are often excluded or sublimited, so understanding what the policy covers before a restructuring matters as much as the limit.Fee Litigation Reaches Smaller Plans
Lawsuits alleging excessive fees or poor investment options in retirement plans have moved beyond the largest employers to mid-size plans. Fiduciary liability underwriters are reviewing plan governance, fee benchmarking and committee processes more closely, and retentions for these claims have risen.
Fee Litigation Reaches Smaller Plans
Lawsuits alleging excessive fees or poor investment options in retirement plans have moved beyond the largest employers to mid-size plans. Fiduciary liability underwriters are reviewing plan governance, fee benchmarking and committee processes more closely, and retentions for these claims have risen.Social Engineering and Payment Fraud
Impersonation schemes, including AI-generated voices and spoofed vendor emails, are tricking employees into sending funds to criminals. Crime policies treat these losses differently from employee theft, often with lower sublimits. Clear call-back procedures and the right crime coverage now go hand in hand.
Social Engineering and Payment Fraud
Impersonation schemes, including AI-generated voices and spoofed vendor emails, are tricking employees into sending funds to criminals. Crime policies treat these losses differently from employee theft, often with lower sublimits. Clear call-back procedures and the right crime coverage now go hand in hand.Whether you're a retail broker looking for a responsive partner or a carrier seeking disciplined distribution, INP Specialty brings insight, experience, and a focus on results.
Let’s Talk
Nathan Trimble
Chief Commercial Officer