Executive Liability

Today’s executive liability environment is not only local; it’s national and global in scope

Management teams looking to grow in the current economic environment have to stretch talents and resources of the company – often to include business activities overseas. Expanding their range of products and services most often requires taking on additional risk. Even their existing lines of products and services face a complex web of state and federal regulations, as well as legal issues that seek to protect customers as well as employees. Certain activities can even hold the executive personally liable despite the role being specific to acting on behalf of the company.

EC&S has channeled resources and energy into supporting our clients’ needs for the type of specialzed products and services required by owners and executive teams. The process starts with understanding your business and where your company is headed. For example, fast growth companies heading for an IPO have a different risk profile than a company seeking stable growth and internal perpetuation. We then provide a detailed analysis of your existing insurance and risk management program to identify gaps and make recommendations for solutions. Importantly, we find that “off the shelf” products offered by insurance companies often provide a good starting point but not the required end product. The EC&S team actively negotiates to tailor terms and conditions while obtaining competitive pricing. The following products fall within the scope of Executive Liability:

  • Directors & Officers Liability
  • Employee Fidelity (Crime) coverage including theft alleged by your customers and fraud or theft by computer
  • Employment Practices Liability
  • Fiduciary Liability
  • Professional Liability


Capitol Paving is a highway/roadway and underground utilities construction company. Our office staff is small given the volume of work we perform annually. Having an EC&S team working with us gave us the extra support we needed to stay on top of our Safety Program and minimize the cost of our insurance program at renewal. Insurance cost is a major part of any company’s budget. In some cases insurance costs can be so significant that it can harshly impact a company’s finances. We have learned that insurance costs can be within our control. We owe this ability to a strong working relationship with our EC&S team. Thank you Early, Cassidy & Schilling, LLC for being one of the best in the business!!

Terri L. Woodfolk, Executive Assistant Capitol Paving May 17, 2014