3 Contents 19 Management and executive liability coverages 04Introduction 20 Public directors and o昀케cers (D&O) liability 06Property coverages 21 Private directors and o昀케cers (D&O) liability 22 Employment practices liability (EPL) 6 Property 23 Crime 13 Cargo/inland marine 24 Fiduciary 25 Errors & omissions (E&O) 15 Casualty coverages Cyber security/data privacy 16 Automobile/昀氀eet 27 16 General liability 16 Umbrella/excess 30 Aviation 17 Workers’ compensation 17 Environmental liability 32 Small commercial market insights 34 Claim trends