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Oracle RMS Insurance

Venture Capital & Private Equity Insurance

Industry Insurance — Oracle RMS Insurance

Venture Capital & Private Equity Insurance

Management liability and professional insurance for investment managers, VC firms, and private equity funds.

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Venture capital and private equity firms face significant management liability exposure — from investor claims and regulatory investigations to the personal liability of fund managers and board members at portfolio companies. Oracle RMS works with investment managers, VC firms, and PE funds to build insurance programs that protect the firm, its principals, and its portfolio companies.

Who needs this coverage?

Venture capital firms, private equity funds, angel investors with board seats, family offices, investment managers, and fund administrators.

Key coverages

  • Directors & officers (fund and portfolio)
  • Management liability
  • Professional liability (investment advice)
  • Cyber liability
  • Employment practices liability
  • Crime and employee dishonesty
  • Key person insurance
  • Fiduciary liability

Frequently Asked Questions

What D&O coverage do VC-backed companies need?
VC-backed companies should carry D&O insurance that covers the company, its founders, and any investor-appointed board members. Investors often require D&O coverage as a condition of investment to protect their board representatives from personal liability.
What is management liability insurance for a PE fund?
Management liability insurance for PE funds typically combines D&O, professional liability (for investment advice), and employment practices liability into a single program. It protects fund managers and the fund itself from claims by investors, regulators, and employees.
Do VC firms need professional liability insurance?
Yes. VC firms that provide investment advice or management services to portfolio companies face professional liability exposure. If a portfolio company claims that the VC's advice caused financial harm, professional liability coverage responds to that claim.
What is fiduciary liability insurance?
Fiduciary liability insurance covers claims alleging that fund managers breached their fiduciary duty to investors — for example, by making imprudent investment decisions or failing to disclose conflicts of interest. It is distinct from D&O, which covers management decisions more broadly.
Should portfolio companies carry their own D&O insurance?
Yes. Portfolio companies should carry their own D&O insurance, separate from the fund's coverage. The fund's policy protects the fund and its managers; the portfolio company's policy protects the company's own directors and officers, including investor-appointed board members.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.