Business Interruption – FCA test case

For information about the outcome of the FCA’s test case into how insurance policies respond to business interruption claims as a result of Covid-19 please visit this page.

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Protecting the decision-makers

Our Management Protection insurance provides protection to directors, officers and trustees against personal liability for wrongful acts. The policy also includes cover designed to safeguard a customer’s financial stability in the event of a covered claim.

Flexible cover

We offer flexible combinations of cover to ensure directors and officers have the confidence, support and freedom to make the tough decisions every business needs to get ahead.

Buying options

Depending on the size of the organisation, you can either quickly and efficiently e-Trade (businesses of up to £100m turnover) or work directly with our specialist underwriting team who will make sure the process is as streamlined as possible.

Extensive cover, plenty of extras

Cover is provided on an Any One Claim (AOC) basis:

  • Claims first arising and circumstances first notified to us during the period of insurance (including an additional 60 days’ grace for circumstances known by the insured)
  • Broad definition for actual or alleged wrongful acts
  • Separate AOC limits for directors and officers liability, corporate liability, and employment practices liability

Extensions of note include:

  • Advancement of defence costs
  • Investigation defence costs (including dawn raids and investigations where a claim is probable)
  • Crisis and regulatory event cover (public relations, crisis management or law firm to minimise publicity)
  • Cyber cover
  • Pension cover
  • Civil fines and penalties
  • Compensation for court attendance
  • Corporate manslaughter/homicide act
  • Emergency costs and expenses
  • Kidnap and ransom consultancy fees
  • Outside directorship liability
  • Pollution defence costs
  • Social media/public relations consultancy fees
  • Retired and former directors (up to a 72-month discovery period)
  • Spousal cover
  • Direct access for individuals to notify claims against the policy if the board dispute notification

Optional covers

Corporate liability cover includes:

  • Contractual liability defence costs
  • Corporate killing
  • Pollution
  • Social media/public relations consultancy fees

Employment practices liability cover includes:

  • Wide definition of employees
  • No exclusion for TUPE events
  • Infringement of intellectual property rights
  • EPL preliminary hearings

Both modular covers have flexible options to increase the separate limit of indemnity up to £2m or the maximum limit provided under the directors and officers liability (whichever is the lower).

The RSA difference

Cogs Magenta

Deep expertise

With over 75 years’ experience working in professional indemnity, we provide service you can depend on.

Checkbox Magenta

Bespoke solutions

Get the cover you need with a range of add-ons and extensions to suit the specific needs of each business.

Underwriting Magenta

Underwriting support

Our specialist team of underwriters are available to talk through any specific risks or questions you may have.

Business appetite

See examples of business we target, and the risk parameters we set.

  • For companies with a turnover of less than £100m:

    • Private limited companies
    • Not-for-profit sector (including residential associations, charities and clubs)
    • UK-located risks
    • Financially stable companies with a positive net worth
    • Entities with strong employment practices

    For companies with a turnover of more than £100m:

    • Pure UK companies or UK-located risks with an element of income, fees, or clients outside the UK
    • UK-domiciled or headquartered risks with premises, group or subsidiary companies or permanent employees located overseas
    • Companies domiciled outside of the UK on an excess-of-loss basis
    • Financially stable companies with a positive net worth
    • Charities
    • Not-for-profit sector
    • Resident Associations
    • Clubs
    • Property investors
    • Incorporated/limited companies
  • Risks we don’t write – or write only rarely as a small part of a wider portfolio.

    For companies with a turnover of less than £100m:

    • Public limited companies
    • Financial institutions
    • Legal sector
    • Professional sports clubs
    • Speculative exploration

    For companies with a turnover of more than £100m:

    • US-domiciled companies
    • Global financial institutions

An expert claims service

A team of specialists

When things go wrong, you get a highly experienced team on the case, working to minimise disruption and get things back on track quickly.

Keeping you informed

We work closely with you and all parties involved, keeping you informed at every step and moving the claim to resolution as quickly as possible.

Buy online

For businesses with less complex risks and turnover less than £100m, you can e-Trade quickly and efficiently.

Simply log in to RSA online and select Management Protection e-Traded or use Acturis to get a quote.

Any questions? Our specialist team is here to help.

Contact us

For larger companies or businesses with more complex risks, contact our specialist underwriting team, or contact your usual RSA representative. 

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