Insurance for Private and Non-Profit Companies
Confidence to lead. Protection to grow
Businesses today face a more complex risk environment than ever. Legal and regulatory pressures are intensifying, claims against directors and officers are on the rise, and economic volatility is putting governance under greater scrutiny. For private and non-profit organisations, the stakes are high, and the consequences of being unprepared can be significant.
Our Management Liability insurance for private and non-profit businesses combines directors’ and officers’ insurance, corporate legal liability cover and employment practices liability for a wide range of sectors from owner-managed SMEs to large multi-entity organisations. Whether they have an active board, a senior leadership team, a growing workforce, or exposure to employment claims and regulatory oversight, our product is designed to respond to the risks businesses face.
With a flexible structure that can be tailored to the organisation's risk profile and operating model, they get the coverage that fits, not a one-size-fits-all solution.
Legal support included — from day one
Access to practical legal services at no extra cost, helping businesses manage risk, stay compliant and resolve issues before they escalate.
Business Risk Guard
An online legal toolkit that helps businesses create documents, review contracts and get answers to legal questions — all through a secure portal.
- Business Legal Healthcheck: A quick questionnaire that identifies gaps in a business's legal documentation and recommends what's needed
- Smart Legal Documents: Professionally drafted contracts, policies and letters generated in minutes through guided questions.
- Smart Legal Document Review: You may submit a completed Smart Legal Document to the legal team for professional review, personalised advice and any necessary changes, typically within three Business Days (limited to 3 documents per year)
- Contract Review & Advice: Existing contracts can be uploaded for written feedback, suggested amendments and advice (up to 3 reviews per year)
- Personalised Legal Letters: Professionally drafted letters before action to help resolve disputes (up to 2 per year)
- AI-Powered Legal Assistant: Instant answers to business law questions covering employment, commercial contracts, GDPR, debt recovery and more
- Document Storage & Collaboration: Secure storage with version control and the ability to share documents with colleagues, clients or suppliers
Legal advice helpline
Direct access to an international law firm with specialist management liability and corporate risk legal experts. Business owners can call as often as needed, limited to one hour of advice per matter.
Topics covered include:
- Employment law and HR
- Business-related criminal and regulatory offences
- Health and safety
- Tax liabilities and HMRC investigations
- Intellectual property
- Commercial disputes and contracts
- Compliance and corporate governance
Resources
Travelers advantage
In a dynamic world, things don’t always go to plan. Travelers offers expertise you can count on to address diverse risks.
- D&O coverage significantly enhanced. Broader protection built for the evolving risks directors face.
- Broader employment protection. Full-limit EPL cover expanded to meet a shifting legal landscape.
- ESG. Entity cover extends to modern day ESG exposures such as greenwashing, modern slavery, unauthorised cyber intrusion and AI-washing.
- Legal support. Expert legal tools and specialist lawyer access included at no extra cost.
- Documentation that works. Plain, logical policy documents designed to make client conversations easier.
- Award-winning claims capability. Dedicated in-house lawyers and AA-rated financial strength.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- 24-month policies. We can offer 24-month policies with no break clauses.
- Multinational reach. Tailored coverage and support in more than 150 countries.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Accommodation and food services
- Administrative and support services
- Agriculture, forestry
- Arts and entertainment
- Charities
- Construction
- Education
- Food and beverage
- Manufacturing
- Mining and quarrying
- Motor trade
- Oil and gas
- Paper/packaging
- Professional, scientific and technical
- Property developers
- Real estate activities
- Transportation and storage
- Technology
- Utilities
- Wholesale and retail
We’ll consider
We may need more information to confirm a fit.
- Gambling
- Legal
- Medical and social care
- Pharmaceutical & life sciences
We do not cover
Sorry, we’re currently unable to insure the following.
- Marijuana
- Professional sports or agents
- Religious or political organisations
- Security services
- Tobacco
Covers & highlights
Directors & officers (D&O) covers & highlights
- Directors and officers and Insured organisation reimbursement
- Available on an aggregate or any one loss basis
- Broad definition of wrongful act and Insured Persons
- Full-limit investigation cover for Insured Persons
- Additional Side A limit extended to main-board directors and Non-Executive Directors.
- Emergency costs access
- Lifetime run-off for retired and resigned directors
- Outside entity director’s cover
- Insolvency Situation Costs
- Consulting Costs
- Reputation Costs
- Mitigation Costs
- Identity Theft Costs
- Subpoena and prosecution witness costs
- Bail Bond Costs
- Deprivation of asset costs
- Extradition proceedings
- Interpretive Lawyer Costs
- Personal Corporate Tax Liability
- Side A Environmental Defence Costs Additional Limit
- Multi-year run off options
Corporate Legal Liability (CLL) Cover covers & highlights
- Available on an aggregate or any one loss basis
- Corporate Manslaughter costs
- Defence Costs for breaches of health and safety law
- Corporate Investigation Costs
- Corporate Crisis Event Costs
- Corporate Reputation Costs
- Emergency Costs
- Intellectual Property Defence Costs carve-back
- Pollution Defence Costs carve-back
- Contract Defence Costs carve-back
- Multi-year run off options
Employment Practices Liability (EPL) covers & highlights
- Available on an aggregate or any one loss claims basis
- Broad definition of claim
- Broad definition of Insured Persons
- Employment practice violation
- Investigation Cover
- Reputation Costs
- Training Costs
- Staff Disruption Compensation
- Multi-year run-off options
- No TUPE exclusion
Commercial crime covers & highlights
- Available on an aggregate or any one loss basis
- Broad definition of crime
- Claim expense costs
- Client cover
- Commercial disruption costs
- Court attendance costs
- Criminal damage costs
- Data damage expenses
- Employee fraud or dishonesty as well as third-party crime
- Identity fraud expenses
- Public relations expenses
- Social engineering cover
- Telephone fraud costs
- Run-off option
Pension trustee liability covers & highlights
- Includes employment benefit programmes and employee share ownership programmes
- Available on an aggregate or any one claim basis
- Broad definition of wrongful act
- Court attendance costs
- Cover available for trustees who have retired or resigned
- Employees, trustees, sponsoring employer, corporate trustee and pension scheme reimbursement
- Insured person public relations expenses
- Loss of documents costs
- Third-party service provider pursuit costs
- Multi-year run-off options
Related products
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Insurance for publicly traded companies, covering D&O, commercial crime, employment practices, pension trustee liability and IPO exposures.
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Financial institutions
Fully invested and without compromise, our dedicated underwriters have deep knowledge of the financial sector with the backing of a strong credit rating.
Let’s start the right conversation
For business
Find a broker
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Need to call us directly? Contact us.
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