Management Liability
Smart Protection for Big Responsibilities
Protecting Your Business—and the People Behind It.
Running a business comes with big responsibilities. But when things go wrong, it’s not just the company at risk—directors, officers, and managers can be held personally liable.
Management Liability Insurance protects your leadership team and the business from costly claims and allegations, so you can lead with confidence.
Who Needs Management Liability Insurance?
Any business with a management structure should consider Management Liability cover—including:
- Private Companies
- Family Businesses
- Startups and Growing Enterprises
- Non-Profit and Charitable Organisations
- Partnerships and SMEs
If your business has directors, officers, or key decision-makers—you likely need this protection.
Why Choose GIBA?
We Keep It Clear
We explain the complexities of Management Liability in plain terms—so you understand exactly what’s covered.
We’ve Seen It All
With over 150 years of combined insurance experience, we’ve helped protect directors across every sector.
Tailored Cover, Not Cookie-Cutter
Your risks are unique. So are our solutions. We customise your policy to match your business and responsibilities.
Trusted Network Access
Through our Steadfast partnership, you get access to leading insurers, exclusive policy wordings, and competitive rates.
What Does It Cover?
Directors and Officers Liability
Protection for personal liability from mismanagement or breaches of duty
Company Liability
Covers the business entity from claims like defamation, misleading conduct, or regulatory breach
Employment Practices Liability
Covers wrongful dismissal, harassment, and other employee-related disputes
Statutory Liability
Covers certain fines and penalties imposed by regulators
Crime Coverage
Protection against internal theft or fraud
Investigation and Defence Costs
Covers legal expenses during inquiries or proceedings
What Our Clients Say
Real stories from real people we've helped protect.
FAQs
Is Management Liability the same as Directors and Officers (D&O) Insurance?
D&O Insurance is part of Management Liability, which provides broader protection for both individuals and the company.
What kind of incidents can lead to a claim?
Common triggers include unfair dismissal, discrimination claims, WHS breaches, ASIC investigations, or shareholder disputes.
Do small businesses need this cover?
Yes. Any business with directors or managers can face legal action, regardless of size.
Can this cover apply retroactively?
Some policies offer retroactive cover for past acts. We’ll help assess whether you need it.
How is this different from Public Liability?
Public Liability covers physical injury or property damage to third parties. Management Liability covers financial and legal risks from management decisions.
Protect the People Who Lead Your Business
Talk to GIBA today about Management Liability Insurance tailored to your structure, responsibilities, and future goals.