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Employment Practices Liability

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Unique employment practices cover that addresses emerging exposures as well as traditional ones.

What
We
Offer

Our expert team provides unparalleled guidance, enabling tailored coverage that meets the challenging demands of today's workplace.

 

All our insureds have access to InclusionScore, our patented risk management platform that offers comprehensive People Management guidance based on the ISO-30415 Standard for Diversity & Inclusion, including training, data collection, certification, and model policies and procedures in English, Spanish, French, & German.

 

In addition to specific coverages on discrimination, harassment, and other standard employment allegations, our 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

  • 80/20 settlement clause

  • Credits for enhanced inclusion score maturity

   Limits: Up to US $20M

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How can we help

Employers constantly face new challenges and exposures as a result of a changing legal landscape and increasingly employee-friendly courts. 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.

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Who we can help

  • US employers from all industries with up to 30,000 full time employees are considered 

  • Staffing firms without employee count limitation

  • Worldwide 🌐

The InclusionScore

Difference

BEING BOLD

Freedom lies in being bold. We dare to be different and seek bold possibilities to create more innovative, fair and satisfying outcomes for our clients, brokers and employees. From insuring the highest building in the world, to the first commercial lunar vehicle to operate on the moon - we boldly go where others won’t.

 

STRIVING FOR BETTER

Good is a start, but we go all-out for better.  A driven community of individuals relentlessly push the needle and creating value. From launching the market’s first dedicated ESG syndicate to the establishment of our business unit focusing on designing digital insurance solutions, we pride ourselves on always going above and beyond.  Simply put, at  Beazley we go to 11. 

 

DOING THE RIGHT THING

Acting with integrity in a straightforward, decent way is instinctive. Open and honest with others, we show respect and empathy however challenging the situation – demonstrated by our multi-award winning claims team.  Doing the right thing makes for a fair-minded, rewarding environment and makes work and life better for all.

Examples or Scenarios

Our insured, a California based billion dollar market cap company, restated its financial statements with the Securities Exchange Commission due to errors related to a transaction with one of its suppliers. As a result, the insured’s stock price fell by approximately 25%. A securities class action and a shareholder derivative action ensued against the insured entity and its directors and officers. Plaintiffs asserted breach of fiduciary duties and gross mismanagement amongst other serious allegations. Our claims team worked closely with the insured’s defence counsel and supported them through motion drafting and oral argument. Our previous experience with a California securities class action/derivative action for a different insured in the same court, and with the same judge, was instrumental in securing a dismissal for the insured, thereby avoiding a multi-million dollar settlement.

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Get An Audit Today

Inclusion

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Diversity

Get A Cert

Get certified in the ISO-30415 standard for D&I Service Management.

Consult us

Schedule a time for consultation with our team of certified D&I Professionals

Try IS

Start your internal assessment using InclusionScore by signing up now

Consult us

When reporting a claim to InclusionScore, in the first instance you should check your policy for guidance. Your policy will contain contact details for notifying InclusionScore of a claim.


However, if you are still unsure on how to report a claim to us, please use the below directory as a guide.

Policyholder location - Please email details of your claim to:

The United States claims@inclusionscore.io
Europe & UK claims.europe@inclusionscore.io
Spain es-claims@inclusionscore.io
Latin America claims.latam@inclusionscore.io
AsiaPac claims.asiapac@inclusionscore.io
Canada claims.canada@inclusionscore.io

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