Comprehensive Management Liability Coverage From U.S. Risk
U.S. Risk Insurance Group, Inc. offers an exclusive national program tailored for private companies seeking Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability protection. Designed for small to mid-sized private entities, this program helps address critical exposures that threaten leadership and operational stability—whether through litigation, regulatory scrutiny, or employment-related claims.
Ideal Accounts and Program Appetite
This program is best suited for financially stable private companies with:
- Total assets up to $100 million
- Up to 1,000 employees
- Minimum 3 years in business
- Strong HR and compliance practices
- Sound business models and solvency
You might have a client who recently grew to 350 employees and is now navigating expanded fiduciary exposure or a family-owned manufacturer seeking protection for its board and officers. These are ideal candidates for this program.
Coverage Highlights and Advantages
- Exclusive, nationwide program (including CA)
- Limits up to $5 million with shared or combined aggregate options
- Full Prior Acts coverage available in most cases
- Duty-to-defend policy form
- Third-party EPLI coverage included
- Worldwide coverage for acts occurring anywhere—claims must be brought in the U.S. or Canada
- Full Severability of Application and Fraud/Personal Profit exclusions
- Separate or combined limit structures available
- Spousal/Domestic Partner extension included
- Broad “Claim” definition including:
- Monetary and non-monetary relief
- Judicial, civil, administrative, and criminal proceedings
- Requests to toll the statute of limitations
- Broad “Loss” definition including punitive and exemplary damages (where insurable by law)
- Order of Payments provision
- Bilateral extended reporting periods: 1-, 2-, and 3-year options
- Optional coverages:
- Full worldwide territorial coverage
- Cyber-crisis management cost coverage
- Modified defense outside the limits available for select classes
Underwriting Parameters and Minimum Premiums
U.S. Risk evaluates each risk individually but maintains a flexible underwriting approach for qualifying private companies. The program offers low minimum premiums and competitive pricing structures, making it accessible for smaller firms with growing exposures.
Territories and Carrier Access
Available in most states across the U.S., including CA, TX, FL, NY, and many others. U.S. Risk works with a variety of carriers to provide broad market access and responsive solutions. Most markets are admitted, depending on the state and class of business.
Why Partner With U.S. Risk
As a national program administrator, U.S. Risk brings deep expertise in management liability lines and a commitment to agent success. With exclusive access to markets, tailored underwriting, and fast turnaround times, U.S. Risk is a trusted partner for agents placing private D&O, EPLI, and fiduciary risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Privately held companies with up to $100 million in assets and 1,000 employees, operating for at least 3 years and demonstrating strong HR practices, are ideal.
Can I write D&O, EPLI, and Fiduciary coverage on a single policy?
Yes, this program offers combined or separate limits for D&O, EPLI, and Fiduciary Liability, depending on the needs of your client.
Is this program available in all states?
The program is available in most U.S. states, including California, Texas, Florida, and New York. Contact U.S. Risk for specific state availability.
Are there options for extended reporting periods?
Yes, 1-, 2-, and 3-year bilateral extended reporting period (ERP) options are available to accommodate clients’ needs after policy expiration.
What makes U.S. Risk’s program different from others?
This is an exclusive national program with broad coverage terms, low minimum premiums, and access to multiple carriers—backed by U.S. Risk’s underwriting expertise.
Need help placing an account? Connect with a market specialist.