Why Executive Liability Is Becoming a Bigger Risk in 2025

As we move through February, it’s a good time for maritime businesses to revisit an often‑overlooked exposure: personal liability for company leadership. Across the commercial marine sector, more employees, crew members, and clients are recognizing that they can bring claims not only against an organization, but also against the individuals who guide it.

Why Leadership Is Facing Greater Scrutiny

Claims targeting executives and board members are becoming more common. These actions can create personal financial exposure for those in decision‑making roles, especially when allegations involve:

• Mismanagement or breach of duty
• Employment‑related decisions
• Operational oversights or failures

How the Right Coverage Can Help

Directors and Officers (D&O) Liability Insurance and Employment Practices Liability Insurance (EPLI) are designed to shield both the organization and its leadership team. These policies help protect against the legal and financial consequences associated with claims filed by employees, crew, customers, or regulatory bodies.

Why a Policy Review Matters

The risk landscape is changing quickly, especially in marine operations where staffing levels, vessel activity, and contractual obligations can shift throughout the year. Ensuring your policies are up to date helps confirm that your leadership team has the protection it needs should an unexpected allegation arise.

If you have questions about how these exposures affect your operation—or if you’d like a detailed review of your current coverage—our team is here to help. Reach out anytime to schedule a consultation.