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    Healthcare organizations in Management liability

    Employment practices liability

    Beazley understands that managing your workforce is one of the biggest challenges healthcare organizations face. With ever changing laws, regulations and governmental oversight, organizations face the possibility of administrative actions or civil complaints. In 2014, the EEOC saw just shy of 89,000 charges filed. Almost daily there is news of large sum verdicts or settlements. From pre-claim loss mitigation services included within your Policy to superior claim handling, Beazley is here to protect you.

    Loss scenarios

    EPL Loss Scenarios

    How are disputes handled?

    1. Employers internal process
    2. U.S. Equal Employment Opportunity Commission, or its state or local equivalent
    3. Judicially
    4. Alternative Dispute Resolution

    In most states an employee must first exhaust administrative remedies prior to filing a civil action under Title VII of the Civil Rights Act. This means the employee must file an EEOC Charge or similar state agency charge.

    EEOC Statistics page>

    In 2014 the EEOC settled 144 case in which it was involved in litigation against an employer, recovered $22.5M.

    The EEOC was formed in 1965 and today operates on a budget of $364,500 and employees 2,347 staff members.

    EEOC Strategic Enforcement Plan FY 2013-2016

    Integrated enforcement uses a range of strategies from among the EEOC's tools, including investigations, litigation, federal sector oversight and adjudication, policy development, research, and outreach and education. Based on intensive efforts by a staff work group and Commissioners, and extensive public input, the Commission adopts the following national priorities:

    1. Eliminating Barriers in Recruitment and Hiring. The EEOC will target class-based recruitment and hiring practices that discriminate against racial, ethnic and religious groups, older workers, women, and people with disabilities.

    2. Protecting Immigrant, Migrant and Other Vulnerable Workers. The EEOC will target disparate pay, job segregation, harassment, trafficking and discriminatory policies affecting vulnerable workers who may be unaware of their rights under the equal employment laws, or reluctant or unable to exercise them.

    3. Addressing Emerging and Developing Issues. The EEOC will target emerging issues in equal employment law, including issues associated with significant events, demographic changes, developing theories, new legislation, judicial decisions and administrative interpretations.

    4. Enforcing Equal Pay Laws. The EEOC will target compensation systems and practices that discriminate based on gender.

    5. Preserving Access to the Legal System. The EEOC will target policies and practices that discourage or prohibit individuals from exercising their rights under employment discrimination statutes, or that impede the EEOC's investigative or enforcement efforts.

    6. Preventing Harassment Through Systemic Enforcement and Targeted Outreach. The EEOC will pursue systemic investigations and litigation and conduct a targeted outreach campaign to deter harassment in the workplace.

    Employment practices liability team


    Jason Nelson


    Jason Nelson

    San Francisco, CA, USA

    +1 415 263 4076

    Yera Patel

    PCG & Financial Lines Claims Team Leader

    Yera Patel

    New York, NY, USA


    Eric Ross

    Claims Team Leader Global PE

    Eric Ross

    Farmington, CT, USA

    +1 860 677 3760

    Employment practices liability forms

    Application forms

    Beazley Remedy - Form
    Beazley Remedy - Healthcare Management Liability Renewal Application
    Beazley Remedy - Healthcare Management Liability Application
    BeazleyOne Healthcare ML Package Form

    Product fact sheets

    Beazley Remedy Appetite and Fact Sheet

    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).