Employment Practices Liability
Protects the company, management and employees against claims and prosecutions for wrongful treatment of employees. •Broad definition of insured, providing protection for the company, for individual directors, officers and employees. •Third party liability cover offered as an optional extension.

Product details


-Typically up to USD/EUR 25m


  • Joint ventures: coverage based on the Insured’s percentage of interest in the relevant joint venture

  • Non-profit outside directorship cover

  • Emergency costs cover

  • Waiver of the retention for natural persons in the event of financial impairment of the Insured company

  • Sensitivity training – cover for outside cost of training which the company needs to undertake

  • Pre-agreed panel counsel

  • Broad definition of defence cost including costs in administrative and alternative dispute resolution

  • Broad definition of employment practices wrongful act, including retaliation

  • Broad definition of loss, including back pay, front pay, as well as punitive, exemplary and multiplied portion of any damage award

Client Profiles

  • Privately held and publicly traded companies

  • From SME enterprises to multi-national corporations

  • Not available for US domiciled policyholders

Typical Information Required

  • Latest financials

  • Employee numbers split by territory

  • Details of HR policies and procedures

  • Claims history


Benefits & Services

  • Dedicated and experiences financial lines underwriters in all territories in which we operate.

  • Our market-leading claims management team has unrivalled expertise and knowledge. Our award winning claim system, ‘XL GlobalClaim’, enables us to manage claims efficiently and accurately, no matter where they occur in the world.

Information and Research

Employement Practices Liability Policy

Employment Practices Liability Policy Application

Attachment Point

Primary and Excess

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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