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Marsh Omega®

Flexible, multi-line management liability cover in the UK.

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Marsh Omega© is a flexible, multi‑line management liability policy designed for small to medium sized enterprises.

It brings executive, corporate, employment, pension trustee and crime covers together in a single, easy‑to‑read policy with broad terms and practical extensions. We placed Omega with specialist financial lines insurers and offers access to a dedicated claims team and legal support.

Omega is designed for UK and Republic of Ireland registered businesses (the UK includes the Isle of Man and the Channel Islands) and is suitable for private companies, small public companies, LLPs (with LLP endorsement), private equity‑owned businesses, charities and not‑for‑profit organisations (professional indemnity is available for charities and not‑for‑profits only).

It typically covers businesses with revenue up to GBP 500 million, subject to underwriter review, and is appropriate across a broad range of professional services and SMEs; Marsh Omega PI is particularly tailored to architects and engineers, technology companies, recruitment, employment and staffing agencies, insurance brokers and agents, accountants, bookkeepers and auditors, surveyors and estate agents, design and construction companies and other miscellaneous professional clients.

  • Limits up to GBP 10 million are available for each type of cover.
  • Covers can be purchased in modular form (single-risk modules) or as a combined multi‑line solution.
  • Marsh Specialty can also provide professional indemnity and cyber solutions for small to medium sized companies.

  • Low US exposure: US turnover less than 40%.
  • Limited international exposure where no local policy is required:
    • Overseas turnover under 50%
    • Overseas assets under 30%
    • Overseas employees under 20%
  • Assets up to GBP 500 million.
  • Insurers review each submission and may vary the offering or apply additional restrictions based on individual risk.

  • Executive liability — Protection for directors, officers, managers, and employees against allegations of errors, omissions, or wrongdoing whilst acting in their executive capacity; as well as protection for the company to the extent it indemnifies executives for such matters.
  • Corporate legal liability — Protection for the company against allegations of errors, omissions, or wrongdoing. 
  • Employment practices liability — Protection for the company against an employment related claim.
  • Pension trustee liability — Protection for individual trustees, the pension scheme, the sponsoring employer, and their employees against allegations of errors, omission, or wrongdoing; as well as protection for the scheme against loss as a result of the operation of an exoneration clause.
  • Crime — Protection for the company against loss as a result of criminal or fraudulent acts.

  • Each single claim basis — One single insured amount (limit) is available per type of cover for matters arising from the same originating cause; separate causes attract fresh limits.
  • Broad terms — Omega offers wide terms relative to many industry multi‑line products and includes a number of practical policy extensions.
  • Prompt insurer responses — Provided appropriate information is supplied, insurers will:
    • Issue a written cover position within 21 working days;
    • Respond to requests for consent to defence costs within five days;
    • Advance costs within 21 days.
  • Non‑avoidance protections — The insurer may only avoid the policy for a fraudulent breach of the duty of fair presentation and such fraud must be established by final adjudication.
  • Claims condition severability — A breach of a claims condition by one insured will not be held against another insured.
  • Legal helpline — Access to a legal helpline (advice provided by RPC) for the investigation of potential wrongful acts; helpline use does not constitute notification to insurers.

  • Additional limit of liability for all main board directors and all non‑executive directors where insurance and indemnity for a single claim is exhausted.
  • Travel and accommodation costs for executives: up to GBP 10,000 per single claim.
  • Protection for executives against personal liability for non‑payment of corporate taxes demanded during the policy period.

  • Social media and crisis response costs up to GBP 25,000 per single claim.
  • Broad “professional costs” cover for the company, including costs arising from breach of express contract, investigations, contamination and criminal prosecution.
  • Privacy breach costs: up to GBP 25,000 per single claim.

Marsh Omega is underwritten by Liberty Specialty Markets and American International Group.

To learn more or request a quote, contact one of the Marsh Omega team.

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