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Specialty Lines

Master the Nuances of Specialty Lines

Specialty lines encompasses multiple coverages that are crucial to companies, including cyber insurance, professional liability insurance, and management liability insurance, which encompasses D&O liability insurance, EPL insurance, and fiduciary liability insurance.

We're here to give you guidance on mitigating the exposures companies face and insuring these risks. We also analyze these policies to explain coverage nuances, identify potential coverage gaps or limitations, and offer suggestions. You can also access market survey reports analyzing the critical differences in professional liability insurers' coverage, market appetite, and capacity.

Featured Expert Commentary

Healthcare Professional Liability Insurance

London (Still) Calling for US Healthcare Risks

May 09, 2024 | Charles Kolodkin

Cyber and Privacy Risk and Insurance

NIST Cybersecurity Framework 2.0 and Risk Management

March 21, 2024 | Mark Lanterman

Professional, D and O, and Fiduciary Liability

Courts Limit Insurer Liability and Increase Agent Responsibilities

February 29, 2024 | Frederick J Fisher

Cyber and Privacy Risk and Insurance

Considerations on AI and Insurance

December 20, 2023 | Mark Lanterman

Webinar: D&O Insurance Issues for Privately Held Middle Market Companies

D&O expert Mike Rossi provides a brief overview of why every private company should buy D&O insurance, and then moves quickly into wording and coverage issues to consider when structuring a D&O insurance program for a privately held middle market company. He covers wording changes to try to negotiate in Primary and Excess policies to improve off-the-shelf coverage. Because most D&O insurers do not negotiate wordings for their private company offerings as readily as they do for their public company offerings, he also suggests program structure strategies to maximally protect the personal assets of a private company’s directors and officers. For example, one such strategy is buying Excess/DIC Side A insurance. Another strategy to use once Excess/DIC Side A is purchased, is adding the Side A Match coverage feature on the Primary and Excess ABC policies. Both strategies are explained in detail.

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White Paper

Coverage for Cyber Attacks in a Time of War

How will how your insurance policies respond to losses caused by wartime cyber attacks? Take a deep dive into variances in war exclusions and how commercial property policies and cyber policies address these exposures.

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Other Popular White Papers

A Guide to Consultative Sales for Insurance

This white paper outlines a 5-part consultative selling strategy that will help you position yourself as a trusted adviser and risk management partner instead of an insurance policy salesperson.

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Bobtail and Deadhead Coverage: Liability Insurance for Nontrucking Use (IFNTU)

Explores IFNTU, solutions for IFNTU exposures, and the court decisions interpreting the scope of IFNTU.

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16 Strategies for Navigating a Hard Insurance Market

Use this checklist to mitigate the effects of a hard market such as possible setbacks in coverage terms, limits, deductibles, and pricing.

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Become a Management Liability Insurance Specialist

Earn credentials that verify your expertise in the fundamentals of professional liability insurance and the more specific nuances of D&O liability, EPL, and fiduciary liability exposures and insurance.

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Subscription Resources

IRMI subscription resources give you access to answers, analysis, and interpretations you can trust, vetted and continually updated by our expert research analysts.

Professional Liability Insurance

This reference empowers you to confidently evaluate, negotiate, and arrange almost any type of professional, errors and omissions (E&O), or management liability insurance program. You'll get actionable recommendations and useful insight into E&O, medical and nonmedical professional, and management liability exposures and insurance.

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D&O MAPS provides a comprehensive analysis of more than 300 available D&O liability policies by company and category. Each analysis highlights policy provisions that are broader or more restrictive than standard. This allows for fast, easy comparison of forms and quickly reveals both strengths and weaknesses in every insurer's policy. 

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Free Specialty Lines Newsletter

Subscribe to the free Specialty Lines Compass newsletter and stay up-to-date on the latest trends in D&O, along with professional, cyber, and EPL coverages.

Employment Practices Liability Consultant

Employment Practices Liability Consultant (EPLiC) addresses the legal, regulatory, human resources, and insurance coverage issues you need to develop leading-edge risk management and insurance solutions for these daunting loss exposures.

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The Betterley Report

The Betterley Report provides a series of highly acclaimed market survey reports on six specialty insurance products, including technology E&O and cyber/privacy liability. Each report features exhibits of the critical differences in insurers' coverage, market appetite, capacity, and many other product features.

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Additional IRMI Resources

Whether you are new to risk management and insurance or want to take the next step in your career, we can help you on the path to success.


Expand your network and elevate your expertise by attending one-of-a-kind events that bring together producers, insurers, and insurance buyers to learn from industry experts and each other.


Showcase your specialized expertise and distinguish yourself from the competition. Earning an IRMI certification verifies your command of the unique exposures and complex insurance needs of specific industries and product lines.

White Papers

Covering relevant industry topics, such as contractual risk transfer, bobtail and deadhead coverage, reinsurance, cyber risks, and more, IRMI white papers are full of actionable insights that you can immediately put to use.