Industries We Insure
Employment practices, directors & officers, cyber, and fiduciary exposures look different in every industry. Find yours below for the claim scenarios, coverage priorities, and structuring questions that actually apply.
Nonprofit, education & faith
Nonprofit Organizations
Volunteer boards, restricted donations, and grant compliance create management liability exposures that look nothing like a for-profit company's.
Private Schools & Education
Boards of trustees, tenure and contract disputes, student records, and Title IX-style complaints put schools in the crosshairs from several directions at once.
Religious Organizations
Congregational governance, clergy employment, and stewardship of donated funds create exposures that general liability and property policies do not touch.
Professional services
Law Firms
Partnership governance, associate and staff employment, and client confidential data make firms both sophisticated defendants and frequent targets.
Accounting Firms
Seasonal workforces, partnership decisions, and custody of client tax and financial data make accounting firms a distinctive management liability risk.
Financial Advisors
Registered advisors face regulatory examination, recruiting and transition disputes, and client account data exposure all at once.
Real Estate Brokerages
Independent contractor agents, commission disputes, fair housing scrutiny, and wire fraud at closing define brokerage risk.
Healthcare & technology
Medical Practices
Physician-owner governance, clinical staffing, and protected health information create exposures entirely separate from malpractice.
Home Healthcare Agencies
A distributed caregiver workforce, travel and visit-time pay rules, and patient data in the field make home care uniquely exposed.
Technology & SaaS Companies
Venture funding, rapid hiring, and custody of other companies' data compress years of management liability exposure into a short runway.
Food & hospitality
Bars & Taverns
Late-night shifts, door and security staff, and a young bar workforce concentrate employment and harassment exposure well beyond what a liquor liability policy addresses.
Catering Companies
Event-driven staffing surges and work performed on venues you don't control create employment exposure that a fixed-location food business never has to manage.
Cafes & Coffee Shops
A young, often first-job workforce and tight scheduling practices make cafes a frequent source of employment claims despite their small-shop feel.
Bakeries
Pre-dawn shift patterns, a production floor and a retail counter under one roof, and family ownership combine to create a distinct management liability profile.
Food Trucks & Mobile Food
A crew small enough to count on one hand still operates under full state employment law, often across several municipalities in a single day.
Franchise Restaurants
Brand-standard operations, multi-unit HR consistency, and franchisee ownership structures create management liability questions a single independent restaurant never faces.
Main street & trades
Restaurants & Food Service
High turnover, a young workforce, tip credit rules, and POS payment data make hospitality the most claim-active EPL sector on main street.
Retail Businesses
Hourly scheduling rules, seasonal hiring surges, loss prevention practices, and customer payment data drive retail management liability.
Manufacturers
Shift work, safety reporting protections, union dynamics, and connected production systems shape manufacturing exposure.
Construction Contractors
Project-based crews, subcontractor classification, and payment fraud on draw requests define contractor management liability.
Trucking & Logistics Companies
Driver classification, DOT-regulated hiring and screening, and freight payment fraud create a management liability profile all their own.
Property Management Companies
Fair housing exposure from tenant interactions, on-site staff across multiple properties, and resident payment data define this sector.
Auto Dealerships
Commission pay plans, F&I compliance, and a federally regulated duty to safeguard customer credit data set dealerships apart.
Don't see your industry?
We place management liability coverage across 23 states and far more classes than we list here. Tell us what you do and we'll bring back up to 10 carrier quotes.