Cyber, All Risks Crime & Management Liability Package Lite

Cyber, All Risks Crime & Management Liability Package Lite

Everyday risks your SME clients should be aware of

Our Cyber, All Risks Crime and Management Liability Package provides protection to Directors, Trustees and Insured Persons against personal liability for wrongful acts. This policy also includes cover designed to safeguard your client's financial stability in the event of a covered claim.

This policy has been specifically created for SMEs by providing set lower limits at an affordable price. If your client's requirements fall outside of the coverage limits, we may consider your client under our main Management Liability Package facility.

Be ahead of the game and inform your clients of these essential covers, because if you do not, another broker will. Even worse, you do not want your client to suffer from a cyber or crime attack whilst not being insured.

The policy includes five covers:

Commercial Crime (all risks)


Cyber Risk Insurance


Provides cover on an all risks basis covering theft from the Insured by anyone, whether employed by them or not. This means the cover for theft committed by third parties is not restricted (as in some policies) to certain types of theft.


All businesses are now vulnerable to cyber threats as they become more reliant on IT. Traditional insurance policies may not have been designed to cover these new and evolving risks which is why a specific cyber policy is becoming more important to businesses.


Employment Practices Liability (EPL)


Directors & Officers (D&O) Liability


Employment disputes cost organisations an enormous amount in management time and defence costs. Regardless of HR practices and procedures, the risks cannot be eliminated. This policy will cover the company, its subsidiaries, directors and officers and past, present and future workers.


Provides protection for the personal assets of individual directors, officers, managers and sometimes employees of an organisation and protection to the Company, to the extent the Company ‘reimburse’ or ‘indemnify’ the same directors & officers.


Corporate Legal Liability




This will cover defence costs and legal liability incurred as a result of claims and prosecutions bought against the company for a wide range of wrongful acts, errors or omissions.

This cover includes:
> Contractual liability defence costs
> Corporate killing
> Pollution
> Social media/public relation consultancy fees


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With seamless integration of management insurances in a unique package, no gaps in cover or duplication of cover will exist for your clients.  With a claim in one of these areas often leading to claims in subsequent areas of cover, traditionally you would have to make multiple claims for each incident. With our cover, you make one claim. We then take care of all the areas affected in the policy.







£50,000       Directors & Officers Liability      Nil
£50,000   Corporate Legal Liability   Nil
£50,000   Employment Practices Liability    £2,500
£50,000   Crime   £5,000
£100,000   Cyber   £2,500



Eligibility criteria

There are strict acceptance criteria for this policy. If your client falls outside of any of these, we may consider your client under our main Management Liability Package facility.

  • Must be a Limited Company operating in the United Kingdom.
  • The maximum turnover is £5,000,000.
  • In the last financial year they had a positive net worth and are able to pay debts as they fall due.
  • In the last 12 months they have not undergone a management buy-out or intend to do so in the next 12 months. They have not been declared bankrupt or insolvent or been the subject of any bankruptcy proceedings in the last six years.
  • They issue written employment policies & procedures to all employees which are reviewed and updated on a regular basis.
  • There are less than 100 employees.
  • They operate industry grade firewalls AND anti-virus software across their networks.
  • In the last five years they have not received any claims in respect of this coverage or have been subject to any circumstances which could have led to such a claim.
  • They have not been subject to a Cyber loss or a Cyber claim including but not limited to any regulatory, government or administrative action brought against them.


How to receive a quote

Obtaining a policy is simple.

You may only quote and bind Management Liability Package Lite online via our Broker Portal.

Simply log in and complete the relevant information to obtain a quote. Once confirmed with your client, you may log back in (and make changes if necessary), bind the policy and obtain the documentation in an electronic format.

Log in or register now.

About the cover

Management Liability

Management Liability allows senior managers, officers and directors to carry out their duties with the confidence they will be safeguarded from any unexpected difficulty. Directors and officers may see claims from multiple directions including from customers, shareholders, competitors and even from their own organisation.

Directors of SMEs may be held personally accountable for civil, criminal or regulatory proceedings should they fall short of their duties. As SMEs typically do not have in-house legal or HR team, the cost of investigations could run into thousands of pounds, even if the individual in question has not acted wrongly.

Cyber and Crime

For most business, digital and data reliance is now customary. Online attacks are only part of the wider picture that face today’s businesses. System failure and employee negligence have an equally damaging impact too.

Our Cyber and Crime insurance is a necessary addition for any business that depends on digital technology or stores personal or business data.  Asset misappropriation, accounting fraud, fund transfer fraud, social engineering fraud and the introduction of malware are a few of the ways by which companies are targeted and can lead to financial loss. The effect on a business can be devastating both financially and to a company’s reputation.

How much cover your client needs depends on the size of their business and the type and amount of data their business manages. Higher limits are also available for larger businesses that handle scores of sensitive data. Visit our product page to find out more.

Furthermore, with the new General Data Protection Regulation (GDPR), business will be expected to take greater responsibility for the protection of their data.