top of page

Employment Practices Liability


pixel pixelated faces inclusion score branding banner.png

Companies using InclusionScore are a
"more attractive risk" according to LLOYD'S Syndicates.

Lawsuits up 20%

$10,000,000,000 =
how much
A Lack Of Inclusion Costs!

It will cost your firm $75,000 to $215,000 on average!


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 InclusionScore maturity

   Limits: Up to US $20M



2022 saw a 20% spike in claims of discrimination at the Equal Employment Opportunity Commission (EEOC)

EPLI covers charges made by employees against
an employer for:

  • Wrongful termination

  • Discrimination

  • Defamation

  • Failure to make partner

  • Negligent supervision or hiring third-party

  • claims for discrimination

  • Sexual harassment

  • Other forms of inappropriate employment

  • conduct


Plus, the EPLI program covers a wide variety of
situations: individual and spouse, corporations,
stockholders, named partnership or joint venture,
partners, joint ventures and spouses, employees,
executive officers, directors, trustees while acting
within scope of employment, dedicated
independent contractors, volunteers, temporaries,
part-time and leased employees (in-sourced).
In addition, EPLI offers these features:

70% of all employment cases that go to litigation result in judgement for the plaintiff

The average amount paid for out-of-court settlement is ≥ $70,000

Six out of ten employers have faced employee lawsuits within the past 5 years.


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.

Pixelated Person 4.jpg

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



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.



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. 



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.

Executive Guy - Pixels Person 8
Get An Audit Today

Risk Management

inclusion score logo greater than equal


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

Got a Claim ??? 

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
Europe & UK
Latin America



EPLI Claims
bottom of page