Employment Practices Liability (EPL)

Growing awareness of individual employment rights and more stringent legislation provide employees with a platform to sue for wrongful employment practices, with ever-increasing success. This can result in dramatic losses of company assets. With compensation awards getting bigger and tribunal cases becoming more complex, employers are finding the need to safeguard their companies.

Programme Features

  • Financial capacity of up to €25 million (US$25 million or £15 million) per EPL policy
  • Primary or excess

Best For

  • Large enterprises
  • Small / medium enterprises

Summary of Coverage

Employment Practices Liability (EPL) insurance covers the company, its management and employees against claims brought by the company’s past, present and prospective employees alleging wrongful employment practices including:

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

Tokio Marine HCC specialises in customising comprehensive EPL insurance programmes designed to protect our clients against employment-related claims and against the risk of large financial losses.

About the Financial Lines & Transaction Risk Team

Our centralised and unified management structure promotes real-time interaction between our transnational teams of underwriting, claims and legal professionals. The fact that our assets are consolidated under “one roof” makes us institutionally quick: quick to respond and to provide intelligent advice, innovative solutions and efficient claims handling.

For all international insurance and reinsurance business, we underwrite on behalf of the following affiliated insurance companies:

Tokio Marine Europe S.A.
Direct insurance and Facultative reinsurance.

HCC International Insurance Company plc 
Direct insurance and Facultative reinsurance. 

HCC Underwriting Agency (Lloyd's syndicate 4141)
Direct insurance and Facultative reinsurance.

To find out more about our affiliated insurance companies, please click here.

 

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain and Ireland, 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.
Our financial strength ensures our clients will always be protected.

Our financial strength ensures our clients will always be protected.

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Tokio Marine HCC Product Breadth

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

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Tokio Marine HCC is part of Tokio Marine, a $31 billion company.

Tokio Marine HCC is part of Tokio Marine, a $31 billion company

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