Management Liability Appetite

Insurance Appetite for Management Liability

IAT's ML Pro Plus business unit offers management liability coverage to private and not-for-profit companies, including Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, and Fidelity Insurance (Commercial Crime). Admitted in 50* states, our suite of products is written on Harco National Insurance Company paper. In addition, Excess Liability is available for Directors and Officers, Employment Practices, and Fiduciary Liability on a non-admitted basis.


*NY based risks will be written using New York Free Trade Zone parameters, and as of 7/2/24 we can entertain Nevada risks on an admitted basis.

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Management Liability
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Target Classes of Business (Primary & Excess)

  • Aircraft or Aerospace Products
  • Construction Companies
  • Distributors
  • Explosives Manufacturing / Distribution / Storage (No Fireworks)
  • Fraternal Organizations
  • Home Health Care
  • Hospitality
  • Hotels
  • Manufacturing
  • Marina / Yacht Clubs
  • Medical Devices
  • Medical Groups / Offices: Urgent Care, Nursing Groups, Radiology, etc.
  • Museums
  • Oil & Gas
  • Professional Services
  • Real Estate-Commercial & Corporate
  • Residential Real Estate Owners / Managers
  • Restaurants
  • Retail (E-Commerce and Brick & Mortar)
  • RV/Truck Rental and Dealership
  • Wholesale Distribution
  • 501c (3) [not for profit organizations,
    excluding 501c (6)]
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Tougher Classes We Can Consider (Primary & Excess)

  • Airports – municipal and private
  • Auto Dealers
  • Biotech / Pharmaceutical
    (Pre-clinical and Phases 1 & 2)
  • Broadcasting
  • Casinos
  • Condominiums and Homeowner Associations
  • Country Club (for profit or not for profit)
  • Daycare / Summer camp – No overnight camps / care or retreats
  • ESOP-only in conjunction with other ML lines
  • Guns & Ammunition
  • Hazardous or Toxic Chemicals
  • High-Tech / AI / Software Development / SaaS
  • Higher Education and Universities / K-12 Education / Charter Schools (No religious schools)
  • Hospitals
  • Nursing Homes / Assisted Living / Adult Daycare
  • Professional Racing Teams (No Formula 1 racing)
  • Staffing Firms (No EPL)
  • Start-ups
  • Utilities

Marketing Resources

Download a PDF of our Management Liability Appetite Guide and other marketing resources here.