For over 20 years we have offered Employment Practices Liability (EPL) insurance on behalf of the Beazley Lloyd’s Syndicate. We have the pen to write on their behalf and have always had our own exclusive enhanced form. We strive to make sure we offer the best coverage for our insureds, so we’re extremely pleased to offer our new exciting EPL product, on which we’ve negotiated to include many new exciting enhancements.

Enhancement highlights (among many others)

  • Amended ERP options, for all years, reduced to 75%, 120% and 140%
  • Acquisition threshold increased to 50%
  • Amended hammer clause to 85/15
  • Enhanced definition of Claim
  • Enhanced definitions of Employment Discrimination, Employee and Employee Harassment
  • Additional ways to reduce the retention and maximum amount increased

Limit, retention and premium

  • Minimum premium USD 2,500
  • Minimum retention USD 5,000
  • Limits - AGR Binder – USD 250,000 up to USD 5,000,000
  • Limits – Open Market – USD 5,000,000 up to USD 20,000,000
  • Additional excess capacity with insurers in Bermuda – access via AGR

AGR product highlights

  • In-house binding authority with exclusive AGR policy form
  • Package policy - EPL led, but can add D&O, Fiduciary and Crime
  • Third Party coverage
  • Defense outside limits
  • Wage and Hour defense coverage sub-limit
  • Immigration defense coverage sub-limit
  • Privacy violation coverage included
  • Employment Event & Workplace Violence
  • Human Resources Risk Management Services with ePlace Solutions
  • Primary and excess
  • Coverage available in USA and Canada

Target industries

  • Staffing
  • Professional Employment Organisations (PEOs)
  • Property Managers
  • Manufacturing
  • Construction
  • Contractors
  • Distributors
  • Trucking
  • Wholesale

We can offer terms in most industries, even tougher areas like education, healthcare, auto dealers and lawyers. Restrictions have also been lifted on hotels (no employee number restriction) and restaurants with over 1,000 employees outside California.

Industries they will not consider

  • Investment
  • Religious organisations
  • Entertainment
  • Household staff

To see a copy of the form and the full list of enhancements, or if you have any questions or submissions, please contact one of the team:

Kirsty Mitchell, Divisional Director
T: +44 (0)20 7469 0273

Alex Marsh, Associate Director
T: +44 (0)20 7469 0301

Libby Riddell, Broker Assistant
T: +44 (0)20 7469 4554