Beazley vs 
Nationwide: How Do They Compare for Management Liability Insurance?
What Is Beazley?
Beazley’s MediaTech combines technology E&O, media and cyber, while Execuguard offers separate or shared executive-risk limits; small businesses seeking a quick standard quote should compare digital carriers. 1,2,3,4
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 9,10,11,12,13,14
Key Differences in Management Liability Insurance
Combined Policy and Limit Choices
Beazley’s ExecuGuard is a single package for private organizations that combines D&O, employment practices and fiduciary liability, with advertised limits up to $20 million that can be set separately or shared. Nationwide’s commercial-liability overview lists D&O, crime, fiduciary and employment practices, but does not describe a single package or a shared-limit option. Buyers seeking one coordinated policy can ask Beazley to model separate versus shared limits; a Nationwide quote needs to identify how the listed products fit together and what aggregate applies. 3 8
Eligibility and Added Provisions
Beazley presents ExecuGuard for private organizations and names extensions for investigation and inquiry, books and records, workplace violence interruption, immigration-practices defense, OSHA proceedings and wage-and-hour defense costs subject to underwriting. Nationwide’s reviewed overview identifies a commercial product suite but does not detail these provisions. A private company weighing specific executive-risk scenarios should compare the actual forms and sublimits, rather than treating the broad product labels as equivalent. 3 8
What to Confirm in Management Liability Insurance Quotes
- Ask Beazley which of the advertised extensions apply, their sublimits, and whether wage-and-hour defense is accepted by underwriting. 3
- Ask Nationwide whether D&O, employment practices and fiduciary are quoted together, and request each policy’s limit and aggregate. 8
- Confirm whether the business qualifies as a private organization for ExecuGuard and how each quote treats defense costs within or outside limits. 3 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Beazley
Review Score
1 rated source
Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance.[3][9]
Read Beazley reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Beazley vs Nationwide: Management Liability Insurance: documented features by provider
| Criteria | Beazley ExecuGuard | Nationwide management liability (official overview) |
|---|---|---|
| Role in This Line | Beazley markets ExecuGuard as a single management-liability package policy combining private-company directors and officers (D&O), employment practices and fiduciary liability, which buyers can customize with separate or shared limits across the three coverages. 3Company-reported. US ExecuGuard package as described on the combined product page. Beazley does not market a separate US "management liability" product distinct from ExecuGuard in the reviewed sources; this record describes the same underlying product as the directors-officers, employment-practices and fiduciary offering records, at the bundle level. | Nationwide describes offering management liability for the audience stated on the cited product page. 8Company-reported. management liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | The ExecuGuard page does not name the specific Beazley insurance entity that issues the policy. Both admitted and non-admitted versions are advertised, so the issuing carrier and its admitted status depend on the policy placed. 3Not found in reviewed sources. ExecuGuard page as read on 2026-09-23; the issued policy's declarations control the actual insurer. | Confirm in your quote. |
| Who It’s For | ExecuGuard is marketed to private organizations rather than public companies. Beazley's separate D&O, EPL and fiduciary product pages describe more specific eligibility details for each individual coverage that are not restated on the combined ExecuGuard page itself. 3Company-reported. ExecuGuard page as a package; component-level eligibility (e.g. EPL's employee-count guidance) is documented in the corresponding single-line offering records, not this one. | Commercial organizations; Nationwide describes research and financial analysis to tailor insurance programs. 8Company-reported. management liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Beazley lists coverage features shared across the bundle: broad insured-person investigation and inquiry coverage, books-and-records coverage, workplace-violence coverage with a business-interruption sublimit, and privacy-violation coverage affecting employees. 3Company-reported. ExecuGuard product page feature list; exclusions and conditions are set by the issued policy. The combined policy adds sublimited extensions for immigration-practices defense costs, OSHA proceedings and (subject to underwriting) wage-and-hour defense costs, plus settlor-capacity protection now written into the fiduciary insuring clauses. 3Company-reported. ExecuGuard product page; sublimit amounts are not published and appear only on a quote. | The cited product page describes a commercial-liability product suite listing D&O, crime, fiduciary, and EPL rather than one uniform management-liability policy. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. management liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Beazley advertises combined ExecuGuard limits up to US $20 million, which the buyer can structure as separate limits per coverage or a single shared limit across D&O, EPL and fiduciary. 3Company-reported. Advertised maximum capacity, not a guaranteed quote amount. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | ExecuGuard policyholders can choose counsel from an approved panel and get access to BeazleySure risk-management resources. The combined page does not list specific tools. 3Company-reported. ExecuGuard product page; the EPL and fiduciary offering records list the specific BeazleySure features named on their own pages. | Confirm in your quote. |
| How to Apply | The ExecuGuard page does not describe a self-service online quoting flow; it lists named Executive Risk underwriters by region as broker/buyer contacts instead. 3Company-reported. ExecuGuard product page team listing as read on 2026-09-23. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. management liability marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Claims Support | Beazley illustrates its claims approach for the bundle with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal; this is a single company-reported example, not audited claims-outcome data. 3Company-reported. ExecuGuard page scenario section; outcome statistics are not independently verified. | Confirm in your quote. |
Full Comparison
More Beazley vs Nationwide Comparisons
Other Management Liability Insurance Comparisons
Sources
Beazley
- MediaTech for Small Businesses. Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
- Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
- Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; Execuguard package policy introduction; What we offer: separate or shared limits among EPL, D&O and fiduciary; How can we help: insured-person investigation coverage, books and records, workplace violence, privacy violation; Limits up to US $20,000,000, both admitted and non-admitted; Examples or Scenarios. Accessed 2026-09-23.
- Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Liability Products | Nationwide. Nationwide; Commercial-liability products; D&O, crime, fiduciary and employment practices liability. Accessed 2026-09-30.
Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
