Berkley Insurance Company has submitted a new management liability product for not-for-profit organizations in Kansas, combining multiple coverages into a single claims-made policy.
The program is designed to give organizations flexibility, allowing them to purchase one or more components, including directors and officers liability, employment practices liability, fiduciary liability, and crime coverage. The filing represents a full package rollout, covering forms, rules, and rating.
At the core is employment practices liability coverage, which responds to claims such as wrongful termination, discrimination, harassment, retaliation, and employment-related misrepresentation. The policy also extends to third-party claims, covering allegations brought by non-employees such as customers or vendors, and includes sublimited protection for workplace violence incidents and privacy-related claims.
The product reflects broader liability trends, with explicit treatment of privacy exposures. Coverage includes claims tied to failures to secure personal information or comply with privacy policies, while also carving out exclusions tied to biometric privacy laws unless specifically covered.
Fiduciary liability coverage addresses risks tied to employee benefit plans, including regulatory investigations, administrative errors, and penalties under laws such as ERISA. Additional features include coverage for pre-claim investigations, voluntary compliance programs, and certain regulatory fines, subject to sublimits.
The crime component complements the liability stack, targeting financial losses tied to fraud or internal misconduct.
The filing includes a wide range of endorsements and exclusions, including limitations related to pollution, contractual liability, wage and hour violations, and prior acts. It also introduces tailored retentions for higher-risk scenarios such as class action employment claims.
The product was submitted on April 29, 2026, as a resubmission of a prior filing, with an effective date requested on approval.