Management Liability Insurance

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Management Liability Insurance

Running a business comes with serious responsibilities—and serious risks. Angelic Insurance’s Management Liability Insurance protects directors, officers, and business owners from the personal and financial consequences of alleged wrongful acts, regulatory breaches, employment disputes, and company mismanagement.

Unlike public liability (which covers physical injury or property damage), management liability focuses on decisions made by you and your leadership team. One claim can target not only the business—but your personal assets too. Our policies are structured to provide broad protection with flexible limits and tailored endorsements for private companies, SMEs, family businesses, and not-for-profits.

How It Works

Here’s how Angelic Insurance supports you when a claim arises:

Allegation or Investigation Arises

A former employee files an unfair dismissal claim. A regulator launches a compliance investigation. A competitor alleges anti-competitive conduct.

Notify Angelic Insurance

We step in immediately to investigate, engage legal experts, and manage your defence.

Cover Activated

Your policy pays for legal defence costs, settlement amounts, penalties, and investigation fees—within your policy limit.

Ongoing Support

Angelic’s advisors help manage communications, protect your reputation, and navigate resolution with minimal business interruption.

Why You Need It?

Even small businesses face big liability risks. Directors and officers can be held personally liable—even for things they didn’t know about.

Common risks include:

Workplace discrimination or harassment claims

Breaches of WHS, Fair Work, or Corporations Act

Unpaid superannuation or payroll tax

Breach of director duties or misuse of company funds

Employee or contractor theft

ATO audits and tax compliance issues With Angelic Insurance, you get peace of mind knowing your personal and corporate assets are shielded from fallout.

How Angelic Insurance Can Help?

Angelic Insurance doesn’t just offer policies—we help protect decision-makers and stabilise businesses in moments of crisis.

What makes us the trusted choice?

Coverage for company + directors + officers

Access to legal, HR and risk management specialists

Custom policy wording to suit your business structure and industry

Optional extensions for employee theft, cybercrime, and tax investigations

Fast policy activation for contract and compliance requirements

Multi-policy bundling with PI, Public Liability, and Cyber cover At Angelic Insurance, we protect your right to lead—without risking everything you’ve worked for.

Challenges Businesses Face Without Management Liability Insurance

Challenges This Product Solves:


Case Studies: How Management Liability Insurance Helped Real Businesses

Director Named in Employee Harassment Lawsuit

A medium-sized business faced an employee claim for harassment, naming both the business and the managing director. Angelic Insurance covered: $28,000 in legal defence for the director $40,000 in out-of-court settlement HR advisory support to update internal policies 📝 Result: Business reputation preserved, director protected.

Internal Fraud Exposed in Financial Review

A bookkeeper at a manufacturing business siphoned over $70,000 through fake supplier invoices. Angelic Insurance provided: Full crime cover payout Legal recovery advice Policy renewed with additional fraud prevention strategies 📝 Result: Minimal financial impact, improved controls, no client exposure.

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Frequently Asked Questions

It’s crucial for directors, officers, and managers of any business.

No, it generally covers corporate decisions and actions.

No, but it’s essential for risk management.

Mismanagement, wrongful acts, and breaches of fiduciary duty.

Consult Angelic Insurance for tailored advice.

Any company with employees—especially private companies, partnerships, family businesses, and nonprofits.

D&O is a component of management liability. The broader policy includes employee, regulatory, and criminal matters.

Fines and penalties are covered where legally insurable, such as under OH&S or privacy regulations.

Small businesses are often the most vulnerable—one claim can bankrupt the company or its directors.

Yes. If you’re a director, you can be held personally liable for company actions—even if you didn’t directly cause the issue.

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