One package for the risks that land on directors, managers and the company itself. We compare 10+ insurers and explain the differences in plain English.
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Directors & officers, employment practices, statutory liability, crime and tax audit in one policy
Running a company means personal exposure for directors and managers, plus risks that a public liability policy was never built for. We compare management liability packages across 10+ insurers and tailor the sections to how your organisation actually operates.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with management liability options that fit your organisation. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We arrange management liability for private companies, family businesses and not-for-profits, and help you understand what each section of the policy does.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and review your cover as your headcount, turnover and structure change.
Notify a claim or circumstance 24/7. Our team liaises with the insurer for you, from the first letter of demand onwards.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from businesses we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Build the management liability cover your organisation needs. Mix and match on one quote.
Can cover defence costs and liability when directors and officers are personally pursued over decisions they made in their role.
Quote D&O coverTypically reimburses the company when it indemnifies its directors and officers for an insured claim.
Quote management liabilityCan cover claims from employees such as unfair dismissal, discrimination, harassment or bullying allegations.
Quote employment practicesCan cover defence costs, and some fines and penalties where the law allows them to be insured, for breaches of certain Acts.
Quote statutory liabilityCan cover financial loss from theft or fraud by employees, and some policies extend to certain third-party fraud.
Quote crime coverTypically covers professional fees for responding to an audit or investigation by a tax authority.
Quote tax audit coverReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know management liability insurance and the risks that come with running an organisation.
Management liability insurance is a package policy designed for the risks of managing a business. It typically combines several sections – such as directors & officers liability, company reimbursement, employment practices liability, statutory liability, crime and tax audit – so the company and the people running it are protected under one policy. Exactly which sections are included depends on the insurer and the options you choose.
It is commonly bought by private companies, family businesses, not-for-profits and associations. If your organisation has directors or a committee, employs staff, handles money or must comply with workplace, safety, environmental or tax laws, it's worth talking to us about your exposure.
Public liability is designed for injury to people and damage to property caused by your business. It generally doesn't respond to things like an employee's unfair dismissal claim, a regulator's investigation, a tax audit, employee theft or a claim against a director over a business decision. Management liability is built to fill those gaps, so the two policies usually work side by side.
Directors & officers (D&O) insurance focuses on the personal liability of directors and officers. Management liability usually includes D&O as one section, then adds cover for the company itself, such as employment practices, statutory liability, crime and tax audit. Larger or listed companies often buy standalone D&O, while many private companies and not-for-profits choose a management liability package.
Some policies can cover certain fines and penalties under the statutory liability section, but only where the law allows them to be insured. Many penalties – particularly some under work health and safety laws – cannot legally be insured. Defence and investigation costs are more commonly covered. We'll walk you through how each policy wording treats this.
Many management liability policies include a crime or fidelity section that can cover financial loss from theft or fraud by employees. Some policies also extend to certain types of third-party fraud. Cover, conditions and sub-limits vary between insurers, so check the wording or ask us to compare.
Generally, yes. Most management liability policies respond to claims first made against you and notified to the insurer during the period of insurance. That's why it's important to keep cover continuous and to tell us promptly about any claim or circumstance that might lead to one.
Premiums depend on factors such as your industry, turnover, number of employees, financial position, claims history, the sections you include and the limits and excess you choose. A not-for-profit with a small team will typically be priced very differently from a larger trading company.
Contact us at Shielded Insurance on 1800 97 98 99 as soon as you receive a claim, letter of demand or notice of investigation, or become aware of a circumstance that could lead to one. Claims can be notified 24/7 and we'll deal with the insurer on your behalf.
