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.
At Beazley we are committed to helping our insureds prevent claims from ever arising. BeazleySure, 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:
- Harassment - both sexual and non
- Wrongful termination
- Violation of the FMLA
- Third party claims (if purchased)
- Employment event
- Invasion of privacy
Up to US $20,000,000 or £15,000,000
All industries with up to 50,000 employees are considered: staffing firms without employee count limitation, appetite for classes such as law firms, hospitality, high tech, healthcare, retail and transportation, PEO and Manufacturers. Key territories
Employment practices liability team
Employment practices liability forms
The descriptions contained on this website are for preliminary informational purposes only. In the US, the product may be available on an admitted basis in some but not all jurisdictions through Beazley Insurance Company, Inc. In other US jurisdictions, the product is underwritten by Beazley syndicates at Lloyd's and is available only on a surplus lines basis through licensed surplus lines brokers. The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.
Except where products are issued by Beazley Insurance Company, Inc., coverages are underwritten by Beazley syndicates at Lloyd's and will vary depending on individual country law requirements and may be unavailable in some countries. The exact coverage afforded by the products described herein is subject to and governed by the terms and conditions of each policy issued.
Some coverages are made available through Beazley USA Services, Inc., which is a service company that is a part of the Beazley Group and has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's syndicates 623 and 2623 which are managed by Beazley Furlonge Limited. Beazley USA Services, Inc. is licensed and regulated by insurance regulatory authorities in the respective states of the US and transacts business in the State of California as Beazley Insurance Services (License#: 0G55497).