Employment Practices Liability (EPL)

In today’s work environment, no business is immune from the threat of workplace litigation and employment related claims. These claims are filed as frequently against small businesses as they are against larger employers. Small to mid-size business owners are becoming increasingly vulnerable and the costs of defending such claims, which can be absorbed by large companies, can financially devastate smaller firms.


  • Coverage for a wide range of exposures
  • Financial capacity of up to US$25 million
  • Primary or excess

Target Insureds

  • Small/Medium Businesses
  • Large Corporations

Summary of Coverage

Companies are now faced with employment-related exposures such as:

  • Wrongful termination
  • Unlawful failure to employ or promote
  • Discrimination based on age, gender, race, etc.
  • Sexual or racial harassment
  • Breach of data protection laws
  • Retaliation
  • Defamation

Tokio Marine HCC specializes in customizing comprehensive EPL insurance programs designed to protect our clients against employment related claims and against the risk of large financial losses.

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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