Management Liability Package

Management Liability insurance is a way to package certain individual liability coverage forms, which covers the liabilities of a corporation itself as well as the personal liabilities for the officers’ & directors and employees. It is generally made up of one or more of the following types of liabilities.

Limits of liability generally  apply as shared or separate limits for each coverage. Management Liability often includes  Directors’ & Officers’ Liability, Employment Practices Liability, Fiduciary Liability, Professional Liability, Cyber/Privacy Coverage and Crime Coverage.

Coverage is available for Non-Profits and Closed (Private) Corporations, as well as Limited Liability Company.  Normally, Public Corporations will purchase individual coverage forms, versus sharing limits.


Directors’ and Officers‘ Liability Insurance (D&O) is liability insurance that helps cover defense costs and damages arising  out of wrongful act allegations and lawsuits brought against the officers’ and  directors’ of a company..

It has become closely associated with broader management liability insurance, which covers liabilities of the corporation itself as well as the personal liabilities for the directors and officers of the corporation.


Employment Practices Liability (EPL) is an area of United States law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

Most commonly, employment practices liability deals with laws and protections brought under  various Regulations, like Title VII of the Civil Rights Act of 1964, the ADA (Americans with Disabilities Act) of 1990, the Civil Rights Act of 1991, ADEA (Age Discrimination in Employment Act) of 1967, and Family and Medical Leave Act (FMLA).[1][2] The Equal Employment Opportunity Commission (EEOC) interprets and enforces these laws.

The EEOC recognizes eleven types of employment practices discrimination: age, disability, equal pay/compensation, genetic information, national origin, pregnancy, race/color, religion, retaliation, sex, and sexual harassment.


Fiduciary Liability Insurance is a form of liability insurance which helps protect officers of an organization and others persons acting in some capacity relating to an employer’s pension plan, savings, profit sharing,  employee benefit, and health and welfare plans arising from a breach of these fiduciary duties.


Professional Liability insurance (PLI),  commonly known as errors & omissions (E&O) or malpractice  is a form of liability insurance which helps protect businesses and individuals from claims arising from professional advice and service, errors and omissions, inadequate work or negligent acts. 

The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a general liability insurance policy. Professional liability insurance may take on different forms and names depending on the profession and is often a contractual requirement.


Coverage does not include criminal prosecution  Professional liability insurance is required by law in some areas for certain kinds of professional practice.


Our Location

BRIA Insurance & Risk Consultants

4601 Spicewood Springs Rd
Building 2, Suite 200
Austin, TX 78759
Main office: 512-343-1106
Toll free: 800-611-3004

Our Providers

We have been using BRIA as our insurance provider for over twenty years and have been very pleased with their service and expertise in handling all of our claims. We have been approached by other companies and BRIA has continued to deliver better service and more.
Ralph E. Wilson - Wilson Roofing
Many thanks again for the turkey and the wine for me. So often, I get forgotten in the shuffle. You are the best insurance agent I have ever seen. Bill and Dee Dee and Dawn are so prompt.
Pat Turner - Ideal National Mechanical
Since the inception of SunTerra Landscape Services in 2005, we've partnered with John Buchanan and BRIA. Over that time, they have come to be trusted advisors and, probably more importantly, advocates on our behalf. BRIA helps me understand the strengths and weaknesses of each carrier.
Chris Carmouche - SunTerra Landscape Systems
We've worked with BRIA Insurance and Risk Consultants for several years and have been very pleased with their professionalism, service and thorough approach to assessing areas of potential risk in our operations.
Kevin Kelleher San Luis Spirits
We have used BRIA for our overall insurance needs for almost 20 years and really appreciate all of the comparisons they give us. Our professional liability has always been somewhat of a problem because of the area of our practice and they have worked very hard.
Jean Nelle Ray, Wood & Bonilla
I have enjoyed doing business with BRIA since the late 60s. I consider Bill a man of high integrity and have enjoyed seeing his business grow to serve more clients with new services. BRIA has worked to create a good value and excellent service.
Michael N. Hart, P.E. Energy Engineering Associates
The level of service our company receives from BRIA is consistently fast, friendly, efficient, and reliable. I never hesitate to call for advice because talking to my agent at BRIA is more like talking to a friend.
Linda - RZ Communications
BRIA has been our insurance broker for over 15 years. They are not only the best brokers, but have become our best friends. The staff is professional, responsive and extremely knowledgeable of the insurance market. BRIA does a fantastic job of assessing our needs, going above and beyond.
TGB Partners