ConSept is a comprehensive modular Management Liability product offered by XL Catlin. It is designed to meet the insurance needs of public and privately held companies with a flexible and sophisticated modular wording concept.

Product details


Up to GBP15 million


ConSept is a modular form, offering 7 separate coverages, each with its own limit and extensions:

-Directors and Officers Liability
Defends and protects your company’s management from litigation and investigations.

-Corporate Legal Liability
Protects your company against claims and prosecutions for a wide range of wrongful acts.

-Employment Practices Liability
Protects your company, management, and employees, against claims and prosecutions for wrongful treatment of employees.

-Pension Trustee Liability
Protects trustees, administrators, sponsoring employers, and corporate trustees of pension schemes and benefit plans. Also protects the scheme itself.

-Crime Insurance Liability
Protects company profits against acts of fraud from employees or unknown third parties.

-Cyber Liability
Protects the company against claims from data privacy and network breaches; including first party costs.

-Kidnap & Ransom
Pays the ransom and related expenses incurred in connection with kidnappings and extortions.

* D&O is mandatory

Other Coverage Features:

-Severability: conduct of one insured person cannot be imputed to another insured person and only knowledge of certain key individuals will be imputed to the company.

-Broad automatic cover for new subsidiaries and plans.

-Change in control: coverage applies until the expiration of the policy period, or cancellation of the policy for prior acts. Pre agreed run-off available on terms to be agreed.

Client Profiles

-Directors and Officers Liability / Corporate Legal Liability / Employment Practices Liability / Kidnap & Ransom
All industry sectors will be considered, including both privately held and publicly traded companies.

-Cyber Liability
We have a broad industry appetite which includes Manufacturing, Retail, Hospitality and Financial Institutions.

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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