Trustees' Liability Program
for Risk Retention and
Self-Insurance Groups

Errors & Omissions (E&O), Directors & Officers (D&O), Employment Practices Liability (EPL) Coverage

In 1981, Brokers’ Risk introduced its Trustees' Liability Program to address the specific needs of self-insurance groups. Since that time, Brokers’ Risk has cultivated exceptional knowledge of self-insurance groups, as well as expertise in claims handling.

Brokers’ Risk Trustees' Liability Program for Self-Insurance Groups covers the self-insurance entity, its board members, employees, and duly constituted committees. Optional coverage is available to the sponsoring association to cover the association, its board members and employees. Additionally, optional coverage may be available to subsidiaries providing services such as insurance brokerage, claims administration, loss control, and insurance program administration.

Target Risks

  • Risk Retention Groups and Captives
  • Self-Insurance Pools, Trusts and Funds
  • Mutual Insurance Companies
  • Intergovernmental Cooperatives


Provided Coverage

Risk Retention and Self-Insurance Groups

Coverage is provided to the self-insurance group in the event that claims are made against the self-insurance group for wrongful acts committed by the group or its Trustee, Director, Officer or Employee.

Trustees, Directors, and Officers

Trustees, Directors and Officers of a self-insurance group can be held personally liable for their acts. This policy specifically includes the Trustee, Directors and Officers of a self-insurance group to help protect their personal assets.

Employees of the Self-Insurance Group

In many instances, employees of a self-insurance group, including employed administrators, will be named in a suit. This policy provides coverage to the employees for authorized actions performed on behalf of the self-insurance group.

Optional Coverage

Sponsoring Association

Many self-insurance groups are sponsored by a not-for-profit association, public entity association or trade association. With Brokers’ Risk’s Trustees Liability Program, coverage is provided to the sponsoring association, and its Directors, Officers and employees.

Winston Wilcox

Senior Underwriter,
Specialty Programs
(312) 930-6173 direct

LLoyds logo

Underwritten by certain underwriters at Lloyd’s and other insurers

pdf icon

Group Application

pdf icon

Association Application