Providing Labor Unions with Customized Professional Liability Coverage.

Professional Liability Insurance for Labor Unions

Labor entities need unique insurance coverage because their core mission of collective bargaining is typically excluded in standard Professional Liability insurance policies. Typical allegations range from claims of financial mismanagement to wrongful termination to harassment, discrimination, retaliation, and invasion of privacy, among others.  Encore Fiduciary is a long-term leader in defending America’s labor unions from complex professional liability risks.

Encore’s Labor Professional Liability is customized for 501(c)(5) labor entities, providing defense and indemnity coverage, including for wrongful acts such as breach of duty of fair representation, employment practices and personal injury. Our policy also includes optional Individual Labor Leader coverage to cover individual liability that cannot be indemnified by a Labor Union under federal law.


Directors and officers of labor unions have a professional responsibility to fairly represent their union’s members. The Encore Labor Professional Liability Policy provides coverage for collective bargaining risks, including the duty of fair representation, employment practices liability, and certain personal injury risks.


Product & Program Highlights

Claims are managed by the Encore Fiduciary staff with expertise and unique knowledge of labor unions and related non-profits.

Our policy is offered nationally on an admitted basis through Hudson Insurance Company, one of the most dedicated carriers for labor non-profits and employee benefit plans. Hudson has an AM Best rating of A+(Superior), Financial Size Category XV ($2 billion or greater), and is a Department of Treasury approved surety.

We Wrote the Book on Fiduciary Insurance (literally)

We’ve put our fiduciary experience and expertise on paper and online in the “Fiduciary Liability Insurance Handbook,” for you to download and gain insight into why it is so critical that coverage is designed to fit an employer’s or entity’s benefit plan. Obtain your complimentary copy here.

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