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.

Up to US$100m excess appetite only.

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