With the burden of proof typically on the employers, the impact can run beyond financial penalties and create deep reputational damage. The risks are only set to increase as the implications are established of non-standard forms of working becoming more prevalent, such as zero hours contracts and freelancing.
To help employers cope, Beazley has developed an employment practices insurance that addresses emerging exposures as well as traditional ones, including:
- Regulatory costs
- Cyber bullying
- Immigration assistance
- Data breach
- Sensitivity training
- Joint venture loss
- Third party claims.
The cyber challenge
It is all too easy to think of data breach as a single risk facing an organisation. The reality is that it constitutes a whole range of risks and the prevalence of each change over time.
Beazley pioneered the development of data breach related insurance and, as a market leader in the field, we have helped clients handle over 5,000 data breaches since 2009. As illustrated in the following two snapshots, our experience provides a valuable insight into the challenges faced by organisations and their officers in preparing for, and dealing with, the changing nature of incidents:
- Ransomware attacks were over four times more numerous in 2016 than in 2015.
- Unintended disclosure, most often emails or faxes sent to the wrong recipient, represented 32% of breaches in 2016, up from 24% in 2015. Source: Beazley breach insights
Our international management liability policies include data breach cover as standard.
Limits
Up to US$25m
Target market
A wide range of non-financial organisations can benefit from the cover.
Territories
Worldwide (excluding United States domiciled organisations).
Employment practices liability team
Claims

Claims Team Leader - 3rd Party Portfolio
Ryan Cleary
New York, NY, USA
+1 212 801 7181
ryan.cleary
Claims Team Leader - SL International
Tracy Holm
London, UK
+44 207 674 7294
tracy.holm
Claims Manager - Crime and FI
Kieran Patel
London, UK
+442076747045
kieran.patelUnderwriters

Underwriter - D&O
Tom Ielapi
London, UK
+44 207 674 7131
tom.ielapi
Underwriter – International Management Liability
Steve Jennings
London, UK
+442076670698
Steve.Jennings
Focus Group Leader International Management Liability
Catherina MacCabe
London, UK
+44207 674 7775
catherina.maccabe
Underwriter - International Management Liability
Mike Parry
London, UK
+44 207 674 7243
Mike.Parry
Underwriter - International Management Liability
Emma Pereira
London, UK
+442076747159
Emma.Pereira
Underwriter - International Management Liability
Carl Puttock
London, UK
+44 (0)20 7674 7791
carl.puttock
Underwriting Assistant - Specialty Lines International
Willa Sedgwick Rough
London, UK
+442076748036
Willa.SedgwickRough