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Management Liability Insurance - Georgia

Management Liability Insurance: D&O, EPL, and Fiduciary for Georgia Companies

A single employee lawsuit can exceed $100,000. A single D&O claim can threaten a company's existence. Management liability is not optional for any Georgia private company or nonprofit with employees or a board.

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What Management Liability Covers

Directors & Officers (D&O)

Covers the legal costs and settlements when directors or officers are personally sued for decisions they made running the company. Vendor disputes, shareholder claims, regulatory actions, and wrongful termination by executives are common triggers. Without D&O, personal assets are exposed.

Employment Practices Liability (EPL)

Covers the company against employee lawsuits: wrongful termination, harassment, discrimination, retaliation, and wage-and-hour claims. Increasingly the most-claimed coverage in the management liability trio. One EPL claim can easily exceed $50,000 in defense costs alone.

Fiduciary Liability (ERISA)

Required for any Georgia business sponsoring a 401(k), pension, or employee benefits plan. ERISA makes plan administrators personally liable for breaches of fiduciary duty. Fiduciary liability transfers that risk to the insurance carrier.

Crime and Employee Dishonesty

Covers theft, embezzlement, computer fraud, funds transfer fraud, and other financial crimes against the company. Increasingly bundled with management liability for Georgia businesses handling client funds or significant cash.

What Management Liability Does Not Cover

Fraud and Criminal Acts

Intentional fraud, dishonesty, and criminal acts are excluded. Management liability covers negligent decisions and alleged wrongdoing, not criminal conduct.

Bodily Injury and Property Damage

Bodily injury and property damage claims are handled by general liability, not management liability. A slip-and-fall in the office is a GL claim, not a D&O claim.

Prior Known Acts

Claims arising from events that predate the policy or continuous events known before binding are excluded under most claims-made policies. Always disclose potential claims at application.

Public Company SEC Exposures

Public company D&O requires specialty SEC-focused policies from different markets (Chubb Public Company, AIG, Allianz). This coverage is for private companies, nonprofits, and their boards.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines - Georgia

Chubb Commercial

A++ Superior

Mid-market and specialty commercial carrier with industry-leading management liability, cyber, and international coverage for Georgia businesses above $5M revenue.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

Berkley Management Protection

A+ Superior (W.R. Berkley Corporation)

Specialty management liability carrier offering D&O, employment practices, and fiduciary liability for Georgia private companies and nonprofits.

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Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

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Protect Your Leadership and Company

We place management liability through Berkley Management Protection, Chubb, CNA, Hanover, and Hartford. Private companies, nonprofits, and professional services firms across Georgia.

$5,000 to $25,000 per year for combined D&O/EPL/Fiduciary

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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