Management Liability Insurance
Management liability bundles the coverages that protect your business entity and its owners — directors & officers, employment practices, regulatory defense, and cyber liability for the resident data you hold.
Management Liability for Care Facility Owners
Running a residential care facility exposes the business and its owners to risks that have nothing to do with a resident fall — employee lawsuits, regulatory investigations, and data breaches. Management liability bundles the coverages that protect the entity and the people who run it.
What Management Liability Typically Includes
Directors & Officers (D&O) Protects owners, directors, and officers from claims arising from their management decisions, including allegations from investors, residents, or regulators.
Employment Practices Liability (EPLI) Covers claims from employees and applicants — wrongful termination, discrimination, harassment, wage disputes, and retaliation. Care facilities employ large, diverse staffs and face real employment exposure.
Regulatory and Licensing Defense Helps fund the defense of state licensing investigations, survey deficiencies, and regulatory actions that care facilities regularly face.
Cyber Liability Care facilities hold sensitive resident health and personal information. Cyber coverage responds to data breaches, ransomware, and the notification and recovery costs that follow.
Why Owners Need It
General and professional liability protect against resident-care claims, but they don't respond to an employee lawsuit, a regulatory action, or a ransomware attack. Management liability closes those gaps and protects the personal assets of the owners. We tailor the package to your facility's size and structure.
What's Covered
Frequently Asked Questions
General and professional liability cover resident-care and premises claims. Management liability covers the business itself — employee lawsuits (EPLI), management decisions (D&O), regulatory defense, and cyber breaches. They protect different exposures.
Facilities store sensitive resident health and personal data, making them targets for breaches and ransomware. Cyber liability — often bundled in management liability — covers breach response, notification, and recovery costs.