One claim can sink a business. Here’s how brokers can keep clients afloat.

When smooth sailing turns stormy

It’s a familiar story: an SME is trading well, directors are confident, and staff are growing. Then a law suite or a regulatory inquiry hits. Suddenly, directors face personal liability, legal fees mount, and companies discover their standard cover doesn’t stretch far enough.

These aren’t hypotheticals. When a Director liability insurance claim occurs it can leave brokers’ clients exposed if the right protections aren’t in place.

Where businesses are most exposed

Personal liability for directors

Company directors and officers can be held personally liable for wrongful acts. Without cover, they may need to fund legal defence and settlements out of their own pockets.

Employment practices disputes

Claims for bullying, harassment, or unfair dismissal are common triggers. These disputes can be costly to defend and damage both finances and reputation.

Fraud and crime

Employee or third-party fraud, including social engineering scams, can quickly drain a business’s cash flow.

Statutory and regulatory investigations

Workplace health and safety, tax audits, or breaches of regulations can all trigger action against directors or the company itself.

How brokers can keep clients afloat

Start with education

Many SME clients underestimate their level of exposure. Highlight real-world examples of director liability insurance claims and show how one claim could threaten business continuity.

Present a complete solution

Hutch Management Liability brings together:

• Directors & Officers Liability – protecting personal assets of directors and officers.
• Corporate Liability – defending the business entity itself.
• Employment Practices Liability – covering employee and third-party claims.
• Crime – including an optional social engineering extension.
• Statutory Liability – for breaches of workplace, safety, or environmental law.

Optional extensions also cover tax audit expenses, pre-claim inquiry costs, and cyber fines for insured individuals.

Keeping it simple for brokers

• Available exclusively on Ebix Sunrise Exchange (HUTHML code).
• Automated quotes for eligible SMEs up to $50M turnover.
• Flexible limits up to $5M per section.
• Backed by Lloyd’s.
• Faster quotes. Smarter underwriting. Fewer headaches.

Why it matters for brokers

When a director liability insurance claim surfaces, it’s often too late for clients to scramble for cover. The opportunity for brokers is now to educate, advise, and place protection that keeps clients afloat when the unexpected occurs.

The clear way to better cover.