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Management Liability Insurance for Australian Businesses

Management liability insurance helps protect directors, officers, and businesses from claims arising from the way a business is managed. These risks can exist even in small businesses and privately owned companies.

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What is Management Liability Insurance?

Management liability insurance covers claims made against company directors, officers, and the business itself for alleged wrongful acts in managing the business.

Claims may come from employees, regulators, shareholders, or other parties.

Employment practices claims explained

Employment-related claims are one of the most common management liability claims and may include:

Unfair dismissal

Workplace bullying or harassment

Discrimination claims

Breach of employment conditions

What Does Management Liability Insurance Cover

Comprehensive protection for the most common risks professionals face in their daily operations.

Directors & Officers (D&O) Liability

Covers directors and officers against claims arising from alleged wrongful acts in the management of the business.

Employment Practices Liability

Provides protection against claims such as unfair dismissal, discrimination, or workplace harassment.

Statutory Liability

Covers fines and penalties arising from breaches of certain statutory obligations, where insurable by law.

Legal Defence Costs

Pays for legal expenses incurred in defending covered management liability claims.

Civil Fines & Penalties

May cover civil fines and penalties imposed by regulators, where permitted by law.

What is generally not covered?

Like all insurance policies, Management Liability Insurance has exclusions. It's important to understand what falls outside the policy.

Fraudulent or dishonest acts
Intentional breaches of law
Known circumstances

Bodily injury or property damage
Professional advice (covered under PI)

Who Needs cyber Insurance?

Management liability insurance is relevant for

Company directors and officers

Business owners with employees

Companies with HR exposure

Growing or expanding businesses

Businesses subject to regulatory oversight

How Much Management Liability Cover Do You Need?

The appropriate limit depends on the number of employees, your business size and structure, regulatory exposure, and overall industry risk profile.

$1 Million

Standard Entry Level

Suitable for small businesses with low to moderate risk exposure and fewer employees.

Insurance Solutions You Can trust

We bridge the gap between complex risk and simple protection. Your business deserves an advocate, not just a policy.

We Work for You

We act solely in your best interest, providing independent advice and advocating for fair outcomes when it matters most.

SME Specialists

Small businesses are our focus. We understand your growth stages and tailor insurance solutions that truly fit.

Expert Claims Support

You’re not alone. Our team provides hands-on guidance to navigate the process and achieve the best possible outcome.

Simple & Efficient

No jargon, no hidden surprises. We make insurance easy to understand and efficient, saving you time.

10K+

People Insured

12+

Years Experience

Trusted Partners

98%

Satisfaction Rating

Frequently Asked Questions

No. Many claims arise in small and medium businesses.

No. It covers different risks, such as employment disputes.

Yes, management liability can be relevant even for sole directors with employees.

Important Information GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.  

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. ‍ 

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au

Insurance Solutions You Can trust

Is management liability only for large companies?

Does it replace workers compensation?

Are sole directors covered?