Industries We Insure
Employment practices, directors & officers, cyber, and fiduciary exposures look different in every industry. Find yours below for the claim scenarios, coverage priorities, and structuring questions that actually apply.
Nonprofit, education & faith
Nonprofit Organizations
Volunteer boards, restricted donations, and grant compliance create management liability exposures that look nothing like a for-profit company's.
Private Schools & Education
Boards of trustees, tenure and contract disputes, student records, and Title IX-style complaints put schools in the crosshairs from several directions at once.
Religious Organizations
Congregational governance, clergy employment, and stewardship of donated funds create exposures that general liability and property policies do not touch.
Charities & Public Charities
Management liability for organizations entrusted with donations, public commitments and mission-driven teams.
Community & Private Foundations
Board protection tailored to grantmaking authority, donor expectations and the foundation's actual legal structure.
Social-Service Nonprofits
Management liability for organizations balancing client needs, funding obligations and a demanding workforce environment.
Trade & Membership Associations
Management liability for associations accountable to members, professional communities and elected leadership.
Arts & Cultural Nonprofits
Board protection for museums, performing-arts organizations and cultural institutions managing public trust and creative commitments.
Animal Shelters & Rescues
Management liability for nonprofit shelters and rescues overseeing donations, volunteers and organizational decisions.
Youth & Sports Nonprofits
Management liability for volunteer-led leagues and youth organizations accountable to families, members and funders.
Food Banks & Nutrition Nonprofits
Board and employment guidance for organizations coordinating donated food, distribution partners and community nutrition.
Nonprofit Childcare & Camps
Distinct management and employment questions for organizations entrusted with children and seasonal teams.
Housing & Homelessness Nonprofits
Separate board, workforce and housing responsibilities before selecting management liability.
Senior Services & Retirement Nonprofits
Management liability guidance that keeps board oversight distinct from care delivery.
Disability Support Nonprofits
Board and employment protection evaluated alongside—not instead of—client-service responsibilities.
Foster Care & Adoption Nonprofits
Differentiate board and employee allegations from placement and safeguarding duties.
Advocacy & Civil Rights Nonprofits
Coverage review for mission advocacy, board authority and workplace complaints.
Environmental Nonprofits & Land Trusts
Board guidance for stewardship commitments, land decisions and mission-driven teams.
Clubs & Fraternal Organizations
Management guidance for elected officers, member rights and paid club staff.
School, Alumni & Booster Organizations
Guidance for independently governed groups supporting schools, students and activities.
Veterans & Public Safety Nonprofits
Identify whether the organization is a private nonprofit, public body or affiliated support group.
Scientific & Research Nonprofits
Management review for grant oversight, research teams and sensitive information.
Public Broadcasting Nonprofits
Distinguish board and staffing decisions from editorial and broadcast liability.
Cemetery Associations
Review association governance and staff responsibilities separately from burial services and property operations.
Certification & Professional Boards
Separate credential decisions, board governance and employee allegations.
Workforce & Apprenticeship Nonprofits
Clarify trainee, employee and partner-employer relationships before comparing coverage.
Legal Aid & Counseling Nonprofits
Separate organizational decisions and employment claims from professional advice and client care.
Nonprofit Cooperatives
Review member rights, board decisions and worker relationships under the cooperative’s actual structure.
Nonprofit Healthcare Organizations
Identify governance and workforce needs without confusing them with medical professional liability.
Civic & Infrastructure Organizations
Start with legal status: a private nonprofit and a public authority do not need identical forms.
Community associations
Community Associations
Protection for the decisions behind a community: board governance, resident disputes, employees and sensitive records.
Homeowners Associations
Management liability for HOA boards making decisions about assessments, architectural rules and shared community resources.
Condominium Associations
Board protection where building responsibilities, owner expectations and major repair decisions meet.
Housing Cooperatives
Management liability for cooperative corporations balancing shareholder rights, building operations and board discretion.
Master Associations
Board protection for layered communities where shared amenities and financial decisions cross association boundaries.
Planned Community Associations
Management liability for communities overseeing common infrastructure, changing responsibilities and resident expectations.
Professional services
Law Firms
Partnership governance, associate and staff employment, and client confidential data make firms both sophisticated defendants and frequent targets.
Accounting Firms
Seasonal workforces, partnership decisions, and custody of client tax and financial data make accounting firms a distinctive management liability risk.
Financial Advisors
Registered advisors face regulatory examination, recruiting and transition disputes, and client account data exposure all at once.
Real Estate Brokerages
Independent contractor agents, commission disputes, fair housing scrutiny, and wire fraud at closing define brokerage risk.
Consulting & Business Services
Employment guidance for project teams, client-site assignments and professional support businesses.
Media & Advertising Businesses
Separate workplace allegations from content, production and editorial liability.
Insurance Agencies & Brokerages
Review workplace and agency-management exposures separately from advice to insured clients.
Healthcare & technology
Medical Practices
Physician-owner governance, clinical staffing, and protected health information create exposures entirely separate from malpractice.
Home Healthcare Agencies
A distributed caregiver workforce, travel and visit-time pay rules, and patient data in the field make home care uniquely exposed.
Technology & SaaS Companies
Venture funding, rapid hiring, and custody of other companies' data compress years of management liability exposure into a short runway.
Hospitals & Residential Care Employers
Employment review for complex clinical, care and administrative workforces.
Childcare & Education Employers
Employment guidance for privately operated childcare and educational businesses.
Food & hospitality
Bars & Taverns
Late-night shifts, door and security staff, and a young bar workforce concentrate employment and harassment exposure well beyond what a liquor liability policy addresses.
Catering Companies
Event-driven staffing surges and work performed on venues you don't control create employment exposure that a fixed-location food business never has to manage.
Cafes & Coffee Shops
A young, often first-job workforce and tight scheduling practices make cafes a frequent source of employment claims despite their small-shop feel.
Bakeries
Pre-dawn shift patterns, a production floor and a retail counter under one roof, and family ownership combine to create a distinct management liability profile.
Food Trucks & Mobile Food
A crew small enough to count on one hand still operates under full state employment law, often across several municipalities in a single day.
Franchise Restaurants
Brand-standard operations, multi-unit HR consistency, and franchisee ownership structures create management liability questions a single independent restaurant never faces.
Recreation & Cultural Employers
Employment review for seasonal, guest-facing and cultural teams.
Main street & trades
Restaurants & Food Service
High turnover, a young workforce, tip credit rules, and POS payment data make hospitality the most claim-active EPL sector on main street.
Retail Businesses
Hourly scheduling rules, seasonal hiring surges, loss prevention practices, and customer payment data drive retail management liability.
Manufacturers
Shift work, safety reporting protections, union dynamics, and connected production systems shape manufacturing exposure.
Construction Contractors
Project-based crews, subcontractor classification, and payment fraud on draw requests define contractor management liability.
Trucking & Logistics Companies
Driver classification, DOT-regulated hiring and screening, and freight payment fraud create a management liability profile all their own.
Property Management Companies
Fair housing exposure from tenant interactions, on-site staff across multiple properties, and resident payment data define this sector.
Auto Dealerships
Commission pay plans, F&I compliance, and a federally regulated duty to safeguard customer credit data set dealerships apart.
Personal, Repair & Building Services
Employment review for appointment teams, field crews and customer-facing service businesses.
Wholesale & Distribution Businesses
Employment guidance for sales teams, warehouse workers and multi-location distribution operations.
Agriculture, Energy & Extraction Employers
Employment guidance for seasonal, field and industrial workforces.
Transport, Warehousing & Travel Employers
Employment review for dispatch, shift operations, travel teams and off-site workers.
Utilities & Waste Service Employers
Clarify ownership and workforce relationships before selecting employment protection.
Equipment Rental & Leasing Employers
Review counter staff, technicians and field teams separately from rental equipment liability.
Don't see your industry?
We place management liability coverage across 28 jurisdictions and far more classes than we list here. Tell us what you do and we'll bring back up to 10 carrier quotes.