Business Insurance

Liability insurance for companies and their leaders.

Virtus helps private companies and their investors evaluate liability arising from ownership, employment, and benefit-plan responsibilities, and structure an executive risk program.

Coverage for distinct leadership responsibilities.

Executive risk brings several coverage areas together. We help you evaluate which protections fit your organization and explain the terms that apply to each.

  • Directors and officers liability: coverage for specified claims involving management decisions and the responsibilities of company leaders.
  • Employment practices liability: coverage for specified employment-related allegations and, where included, relevant third-party claims.
  • Fiduciary liability: coverage for specified claims involving responsibilities in the management of employee benefit plans.
  • Crime coverage: protection for employee dishonesty and other specified financial crime losses, based on the coverage selected.

Look beyond the headline limit.

We review who is insured, what constitutes a claim, exclusions, defense provisions, limits, and retentions—the amount your organization retains before coverage responds under the applicable terms. We identify wording that deserves closer attention and explain how the pieces of your program work together.

Revisit the program as your responsibilities change.

New investors, ownership changes, board appointments, workforce growth, and benefit-plan changes can bring new insurance questions. We help you review the implications for your program and identify matters to address as you plan a transaction or the next stage of the business.

Support when a claim raises difficult questions.

Our commercial claims team helps with reporting, coverage review, and coordination with the carrier. Involvement is tailored to the claim and the support needed. We help you understand the insurance process and the questions to address with the carrier and your legal advisers.

Explore our claims advocacy support →

What we recommend

Coverage priorities, limits, and retentions.

We recommend coverage priorities, identify terms to clarify, and explain limit and retention options in the context of your ownership structure and leadership responsibilities.

Changing ownership or adding board members?

Discuss how ownership, leadership, workforce, or benefit-plan changes may affect your executive risk program.

Discuss your executive risk program →