Cyber, All Risks Crime & Management Liability Package

Cyber, All Risks Crime & Management Liability Package

Are your client's unnecessarily paying for duplicate cover with separate policies?

Our Management Liability Package (which may include Cyber and All Risks Crime) 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. There are three policy options:

Bronze – Directors & Officers cover plus Legal Expenses
Silver – Directors & Officers cover plus Corporate Legal Liability and Employment Practices Liability
Gold – Silver cover plus Commercial Crime (all risks) and Cyber Risk Insurance

See below for coverage limits.

Watch our video that explains the cover in full.

To discuss your clients' needs, please contact your underwriter.

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


Legal Expenses


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


This includes the cost of defending employment disputes; defending prosecution from matters arising from legislation. It will also cover accountancy and legal costs.



  • Includes: Directors & Officers cover plus Legal Expenses
  • Available to: limited companies / partnerships
  • Up to £2m D&O limit
  • £250,000 Legal Expenses
  • Legal Expenses subject to reasonable prospects
  • Nil excess


  • Directors & Officers cover plus Corporate Legal Liability and Employment Practices Liability
  • Available to: limited companies / charities / NFP / partnerships
  • Up to £2m D&O limit
  • £100,000 Entity & EPL included as standard
  • Flexibility to build limits in different ways – including D&O aggregate limit option
  • Nil excess for D&O / £2,500 Entity / £5,000 EPL


  • Full suite of Management Liability products – Silver plus Commercial Crime and Cyber Risk Insurance
  • Up to £2m D&O limit
  • £100,000 Entity & EPL included as standard
  • Commercial Crime limit up to £2m
  • Cyber limit up to £500,000
  • Crime excess starting at £5,000 / Cyber excess starting at £1,000

Why Touchstone Underwriting

  • Cover to suit the company size
  • Options to build up bespoke limits
  • Quick and easy to obtain a quote
  • Additional benefits such as legal assistance, health & safety advice, tax advice and stress counselling, free of charge
  • Touchstone Underwriting are a long established, fully regulated specialist MGA
  • A dedicated broker support team, on call when you need them
  • Our underwriters provide a quick, efficient and friendly service
  • No administration or documentation fees
  • Fast and efficient claims service