Skip to main content


Private Company Management Liability

Private organizations are vulnerable to a whole host of allegations including fraud, unfair competition, discrimination, harassment, wrongful termination, benefit plan mismanagement, as well as expenses related to employee theft and extortion. 

Essential protection for private companies

Our program offers Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, Crime, Employed Lawyers Liability and Kidnap & Ransom coverage.

Coverage highlights

Check out our coverage highlights sheet for availability, target markets, policy features and more!

board room

6 reasons private companies can't afford to ignore management liability insurance

Find out why the importance of management liability insurance for private companies cannot be overstated.


office meeting

Agent/broker resources

Quote, bind and issue policies in minutes with V²

  • Register or log in to get started
  • Check out our V² Playbook for guidance on how to get a quote, and for information on registration, billing, FAQs, support and more. 

See it in action! Watch our recorded demo that provides guidance on how to get a quote.


  • In all 50 states and D.C.
  • Admitted in 45 states with an A+ rated carrier* 


  • Directors & Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Crime
  • Employed Lawyers Liability**
  • Kidnap & Ransom

Coverage features:

  • No hammer clause
  • No acquisition threshold
  • Flexible defense options


  • Up to $5 million
  • Shared or separate limits available

Target market:

  • Privately held organizations
  • Three years in operation or three years of management experience
  • Up to $50 million in annual revenue

Target classes:

  • Agriculture
  • Manufacturing
  • Construction
  • Wholesale
  • Transportation/Logistics
  • Technology
  • Retail
  • Restaurants/Hospitality
  • Real Estate
  • Design professionals

To view our full list of target classes, take a look at our Private Company Management Liability appetite guide

*Available on a non-admitted basis in AK, HI, MO, NY & WA
Admitted in Florida (excluding kidnap & ransom coverage part)
Admitted in Louisiana (excluding crime coverage part)

**Available as a separate coverage part or via endorsement

Download Private Company Management Liability coverage highlights sheet

Victor's Private Company Management Liability program provides six coverage parts in a streamlined format:

Directors & Officers Liability
Directors & officers liability insurance protects directors, officers, and the entity from claims made against them while serving on a board of directors and/or as an officer for a non-profit organization. Claims can include breach of trust, breach of duty, breach of bylaws and much more.

Employment Practices Liability
Employment Practices Liability protects employees, volunteers, committee members, trustees and the entity from wrongful acts that arise from the employment process. The most frequent types of claims covered under such policies include wrongful termination, discrimination, sexual harassment, and retaliation.

Fiduciary Liability
Fiduciary Liability protects non-profit organizations and the employees that makes decisions about a company's retirement plan, investment options, employee benefits plan and other fiduciary responsibilities from claims arising out of improper investments, insufficient funding, or breach of fiduciary duties.

Crime coverage protects non-profit organizations from criminal activity including employee theft, forgery and alteration, inside the premises loss, counterfeit money, computer crime, funds transfer fraud, the use of company computers to fraudulently transfer funds and much more.

Employed Lawyers Liability
Employed Lawyers Liability provides coverage for the acts of attorneys who work for corporations when acting in a licensed attorney capacity.

Kidnap & Ransom
Kidnap, ransom and extortion coverage provides protection and guidance for directors, officers, and employees involved in kidnappings, extortion, detention, hijack, ransom, transit, etc. Coverage includes reimbursment for costs associated with the event, ransom costs, crisis response fees, and access to a leading crisis response firm to assist policyholders, should an event occur.

Contact the private company management liability team directly at or connect with your business development contact.

Policyholder resources

To get a quote, please submit a completed application through your existing insurance broker. Your insurance broker will then work with our underwriters to provide you with a quote.

If you need assistance in securing an insurance agent/broker, you can use our find an insurance agent/broker tool


State specific new business applications:

In the event of a claim, policyholders should contact Everest National Insurance Company:

Everest National Insurance Company
ATTN: Casualty Claims Department
PO Box 830
477 Martinsville Road
Liberty Corner
New Jersey, 07938

For all other notices, email

The world is changing at an unprecedented pace. And complex new risks are emerging every year.

To help you understand and overcome these challenges, Victor Risk Advisory offers rock-solid industry insights, risk mitigation resources and much more.

A high-level overview of our coverage

Discover all of our Private Company Management Liability policy’s key benefits and features here.

Victor Risk Advisory

To help you and your clients understand and overcome complex risks and challenges, Victor Risk Advisory offers industry insights, risk mitigation resources and much more.

board meeting

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.