Directors and officers
Describe the business's ownership, leadership, financial position and requested limits for a management liability review.
Executive Risks and Management Liability Insurance
Review the coverage your business needs for management decisions, employment practices, benefit plans and financial crime. Select the protections you want considered in one application.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Different responsibilities need different coverage questions
Ownership, hiring practices, employee benefit plans and financial controls are not interchangeable risks. Your selected coverages determine which parts of the application apply; requesting one does not automatically include the others.
Employment practices
Share your workforce, hiring and employment policies, and relevant claims. Contractor arrangements may require additional details.
Benefit plans and financial controls
For fiduciary coverage, identify the plans and how they are administered. For crime coverage, describe money handling, safeguards and prior losses.
What to have ready
- Your business's legal name, locations and ownership details
- The coverage parts and limits you want reviewed
- Financial statements and prior insurance information
- Employee, benefit-plan or loss schedules for the coverage requested
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Business activities, ownership and financial position
- Selected coverages, limits and prior insurance
- Workforce, benefit plans and internal controls
- Claims history and relevant supporting documents
Questions we get asked
Do I need all four coverage parts?
No. Directors and officers, employment practices, fiduciary and crime coverage address different exposures. Select the coverage parts you want reviewed; their availability and terms are assessed separately.
Is coverage available for every organization and state?
No. Availability depends on the coverage part, state, organization and underwriting requirements. Some markets focus on privately held companies and have state restrictions. This application is not a guarantee that every market will consider your business.
Is this the same as professional liability?
No. Liability arising from the professional services you provide is a separate coverage need. Use the professional liability application to describe those services.
Does finishing the form give me a quote or coverage?
No. The form collects information for broker review; it does not automatically deliver a carrier application, provide an instant price or put coverage in force. Supporting documents, underwriting and any binding requirements still need to be completed.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.