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Why get management liability insurance?

Holding a high position in your business offers great rewards, but it also brings a greater exposure to risk. If something goes wrong, it’s likely you’ll be held accountable. With management liability insurance through Wesleyan Financial Services, you’ll get comprehensive cover for claims made against you and your company.

  • Exclusive discount for eligible Wesleyan members (terms apply)
  • Liability cover for directors, managers and officers up to £10 million
  • Covers legal and criminal defence costs and expenses
  • Cover if your personal assets are frozen and you need to pay for school fees, mortgage payments and more
  • Reimbursement to your company if it pays out to protect you
  • Tailor your cover from our panel of leading insurance providers

Why get insurance?

As a director, officer or manager, you have a lot of people to consider in your day-to-day role. From employees and shareholders, to customers and regulators, you’re responsible for making sure things go smoothly.

If something does go wrong, you’re at a greater risk of being sued. Though you can’t predict when someone will make a claim against you, you can protect yourself and your company with insurance.

We work with a range of leading insurers, including Aviva, Allianz, Travelers, PEN and QBE. Through our team of commercial insurance specialists, you can get a policy that’s tailored to your needs.

Types of claims

Depending on the level of cover you choose, your policy can protect you against a range of claims. For example:

Type of claim
What this means
Health and safety
This will cover legal expenses and any compensation you need to pay out due to a breach of health and safety. For example, if one of your staff becomes seriously ill or injured due to an accident at work.
Deprivation of assets
This will cover you if your assets and bank accounts are frozen and you need to pay for a common expense. Common expenses include school fees, mortgage payments, utilities or personal insurance.
Employment practices liability
If you fail to follow your duties as an employer and are taken to court as a result, you’ll be covered for any defence costs and compensation that you need to pay. For example, if you fire an employee and it’s found to be an unfair dismissal.
Corporate legal liability
This will cover you for a variety of corporate legal liability cases. For example, if you use someone else’s image in a marketing campaign and are found guilty of copyright infringement.
Commercial crime
This covers money laundering, false advertising, embezzlement and more. For example, if you find a member of your staff has set up a ‘ghost’ employee on the payroll and is fraudulently claiming a salary.

What's not covered?

Unfortunately, management liability insurance can’t cover you for everything. This includes:


We won’t cover any claims that arise from:

  • any dishonest or fraudulent act or omission or deliberate breach of any statute or regulation
  • anything you or your company gain that you aren’t legally entitled to. For example, profits, renumeration or advantages

Prior claims and circumstances

We won’t cover claims that were:

  • accepted under any other insurance prior to you taking out this cover
  • known to you or your company before you took out this cover

Prior or pending proceedings or investigations

We won’t cover claims that are pending or ongoing prior to you taking out this cover. For example, administrative, civil, criminal or regulatory proceedings or investigations.

Property damage

Any claim for property damage except for defence costs.

Important information

Please note that limits, exclusions and charges apply. Full terms and conditions of the policy and cover, including benefits and exclusions, will be provided when you get a quote. Risk must be acceptable to underwriters at normal terms.

Wesleyan Financial Services is a broker and its insurance products are provided by a number of insurers.

The 20% offer is only available through our advised service for which a fee applies. There is no guarantee that the money you could save by using the offer will be more than the cost of using this advised service.