Our ProShield multi-risk package offers high quality management liability insurance to private and not-for-profit organizations seeking flexible, comprehensive protection.

ProShield combines directors & officers, employment practices, fiduciary, and crime coverages into a single easy-to-manage policy, offering comprehensive coverage while reducing the need for separate endorsements. It’s exactly what you’d expect from a market-leading insurance carrier.

A protective partnership

Our directors and officers (D&O) liability insurance solutions can help protect an organization’s leaders from claims arising from their management decisions and actions. Customers also rest easier knowing they’re backed by our strength, stability, and specialized skills to fully address their D&O challenges.

D&O private company

Coverage highlights:

  • Investigation coverage
  • Pre-claim inquiry coverage
  • Crisis loss event coverage
  • Option to tender defense to insurer with 100% defense cost allocation
  • Additional dedicated limit for executives

D&O not-for-profit company

Coverage highlights:

  • Advisory board member coverage
  • Fully non-rescindable
  • No hammer clause
  • Expansive definitions of executive and employee, which includes volunteers and interns

As jury awards and settlements continue to rise, the impact of discrimination claims or other allegations can be devastating to a company’s reputation and bottom line. Our employment practices liability insurance (EPLI) helps protect customers from the financial impact of an employment-related lawsuit.

Coverage highlights:

  • Expanded definition of employment practices wrongful act
  • Third party coverage included
  • No panel counsel requirement
  • Coverage for leased employees, independent contractors, volunteers, and interns

Our fiduciary liability insurance provides coverage to help insulate directors, officers, fiduciaries, employee benefit plans and their sponsors from evolving and complex exposures under the Employee Retirement Income Security Act of 1974 (ERISA).

Coverage highlights:

  • 100% defense cost allocation unless insured opts to assume defense (duty to defend policy form)
  • Excessive fee coverage
  • Voluntary compliance loss coverage
  • E-discovery services coverage
  • Fines and penalties coverage for costs related to violations of the Employee Retirement Income Security Act of 1974 (ERISA), Health Insurance Portability and Accountability Act of 1996 (HIPAA), Pension Protection Act of 2006 (PPA), Patient Protection and Affordable Care Act (PPACA), and Health Care and Education Reconciliation Act of 2010 (HCERA)

Our tailored solutions help protect organizations from loss of money, securities, or inventory resulting from crime. With coverages designed to protect against claims involving employee dishonesty, embezzlement, safe burglary, computer fraud and other criminal acts, as well as competitive coverage enhancements, our crime insurance provide targeted protection for multiple types of exposures.

Coverage highlights:

  • Loss discovered coverage
  • Employee theft of client’s property
  • Expanded definition of employees
  • ERISA plan coverage
  • Credit, debit, or charge card fraud
  • Social engineering fraud coverage
  • Money orders and counterfeit money
  • Proof of loss expenses coverage

Featured insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.