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Peace of Mind

Peace of Mind

CSIA has been protecting home for over 45 years

Simple. Smart. Insurance

Simple. Smart. Insurance

Customers told us the things they disliked about Insurance and we listened

Tailored Cover

Tailored Cover

Our goal is to provide you with the best coverage at the most competitive price

Protect your business

Safeguard your assets with simple. smart. Business Liability Insurance.

Types of

Information that helps you plan, prepare and protect.

What is Management Liability Insurance?

In today's hectic business climate there has never been a more challenging time for owners and managers in running a business. We understand you are responsible for a large and diverse workforce. Unfortunately, no one business is immune to management liability risks. Businesses in every industry and of all sizes, including private or public companies, or not-for-profit organizations can be affected by lawsuits. We know that despite the best of intentions, breaches of regulations and compliance can still happen and shareholders expectations can be mismanaged. These scenarios can bring liability exposure to company directors, officers and managers. That's why management liability coverage is critical to every business to address the specific management liability challenges that you face.

Types of Coverage

  • Directors and Officers (D & O) Liability Insurance – Directors & Officers are under tremendous pressure for decisions they make on your company’s behalf. Companies seeking to protect directors, officers, and employees in the performance of their duties against potential claims by competitors, shareholders, and regulators.
  • Employment Practices Liability (EPLI) – Protect your organization against claims made by current, former or prospective employees for discrimination, wrongful termination, sexual harassment, retaliation and other employment related allegations.
  • Errors and Omissions Insurance (E & O) – Any business that offers advise or provides a service needs an errors and omission policy because anyone can sue your business if they feel they have suffered a loss due to your services – actual or perceived.
  • Cyber Liability – Protect your organization from a data breach in which any sensitive customer information, such as social security numbers, credit card numbers, account numbers, driver’s license numbers or health information is exposed or stolen. First party coverage is for losses and damage to your business, while third party coverage is for losses to your customers or clients due to a cyber claim (event).
  • Kidnap and Ransom Insurance – Protecting individuals and corporations operating in high risk areas around the world against potential threats. Coverage options include a wide range of crisis perils, including kidnapping, extortion, assault ( also know as active shooter or workplace violence), and many more.
  • Crime Insurance – Learn how to protect assets from loss due to employee theft or dishonesty, impersonation fraud, fraudulent funds transfer instruction, and more.
  • Fiduciary Liability – Protect your assets and cover the cost to defend against allegations of fiduciary misconduct, improper advise or disclosure, imprudent investments, breach of ERISA duties, conflict of interest and negligence in plan administration.

Business Address

What happens if...

Simple. Smart. Insurance protecting what matters

Yes, this coverage can help protect those who run the company or protect the company itself from your clients, employees and governmental entities.

Yes, companies of all sizes can be the target of an Employment Practices Liability. Even baseless claims can result in significant defense costs. Any employee or third party can file a lawsuit that can cost your company tens of thousands of dollars in defense costs alone.

Yes, loss resulting from damage to or corruption of the insured's electronic data and computer programs are a high risk for business owners.

There are many claims that affect your business under this coverage. For example, the most common types of claims involve Embezzlement, Employment Theft of Money, Robbery Off Premises or collusion.

Chemical exposure occurs when the body is exposed to dangerous chemicals like asbestos, lead, benzene, pesticides, cadmium, beryllium, mercury, silica, paint, solvents, and acids. Injuries due to exposure to certain harmful chemicals can include burns, rashes, throat and lung injuries, and even more dangerous consequences like neurological injuries. Employers who put employees at risk of chemical exposure should require proper safety attire including goggles, gloves, helmets, body suits, and having proper means of ventilation.

You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.

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