Employment Practices

 

At Beazley we understand that employers constantly face new challenges and exposures as a result of a changing legal landscape and increasingly employee-friendly courts. To help employers cope, we have developed unique employment practices coverage that addresses emerging exposures as well as traditional ones.

 

Beazley insureds get more than your typical EPL policy, they get superior service and expertise:

Employment law experts

Beazley’s EPL team has a level of expertise unparalleled in the industry, allowing us to tailor our coverage to meet the changing demands of today’s workplace.

 

Superior claims handling

We have dedicated employment claims personnel on staff who work with top employment lawyers across the country to quickly and efficiently resolve claims.

 

A lasting partnership

At Beazley we are committed to helping our insureds prevent claims from ever arising.  BeazleySource, our online risk management platform, offers policyholders comprehensive risk management including sexual harassment training, a dedicated telephone hotline, wage and hour tutorials and model policies and procedures in English and Spanish.

 

In addition to covering claims for discrimination, harassment and other standard employment allegations, the Beazley EPL policy offers the following key features:

 

  • Privacy violation coverage
  • Employment event coverage
  • Outside directors coverage
  • Civil fines assessed under the Health Information Portability and Accountability Act (HIPPA)
  • Negligent hiring
  • Optional additional defense limit
  • Optional third party coverage
  • Wage and hour coverage available to qualified insureds
  • Claims reporting as soon as practicable
  • 70/30 settlement clause

 

We will pay these losses

Subject to the terms and conditions of the actual policy we will pay claims for:

 

  • Discrimination
  • Harassment – both sexual and non
  • Retaliation
  • Wrongful termination
  • Violation of the FMLA
  • Third party claims (if purchased)
  • Employment event
  • Invasion of privacy

 

Limits

Up to US $15,000,000

 

Target market

  • US employers from all industries with up to 20,000 employees are considered
  • Staffing firms without employee count limitation
  • Appetite for ‘hard to place’ classes such as law firms, hospitality, high tech, healthcare, retail and transportation

 

Key territories

Worldwide

 

 

Not all coverages or products described on this website are available in all US jurisdictions. Some products are available on an admitted basis in some but not all US jurisdictions from Beazley’s US insurance company subsidiary, while other products and coverages may be available in the US only on a surplus lines basis through licensed surplus lines brokers doing business with Beazley’s Lloyd’s of London syndicates.

 

The descriptions contained in these pages are for preliminary informational purposes only. Coverages will vary depending on individual state law requirements and may be unavailable in some states. The exact coverage afforded by the products described on this website is subject to and governed by the terms and conditions of each policy issued.  The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.