Employment Practices Liability

Allegations of discrimination, harassment, retaliation or wrongful termination are not only disruptive, they’re expensive. In today’s regulatory and social climate, Employment Practices Liability (EPL) insurance has become essential for organisations of every size.

At Price Forbes, we deliver tailored EPL solutions that provide coverage when others step away, with access to specialist markets, strategic underwriting, and the capacity to build long-term risk resilience.

Employment Practices Liability coverages


Our Employment Practices Liability solutions are designed to respond to the full spectrum of employment-related exposures, including:

  • Standalone or blended EPL/Wage & Hour (W&H) coverage
  • Primary and excess placements, depending on risk appetite and programme structure

Coverage includes (but is not limited to):

  • Discrimination (race, gender, age, disability, etc.), including third-party claims
  • Sexual or non-sexual harassment
  • Retaliation and wrongful termination
  • Failure to promote
  • Equal employment opportunity violations

Additional features:

  • Claims-made trigger with no panel counsel requirements
  • Dedicated claims support for faster resolution
  • Coverage crafted for punitive, exemplary, and multiplied damages
  • Creative tower solutions leveraging 16+ active EPL markets

Industries we support with Employment Practices Liability


Our Employment Practices Liability solutions are particularly relevant to:

Key contacts

Vernae Outerbridge
Vernae Outerbridge
Senior Vice President, Head of Professional Lines

Wage & Hour

Wage and hour disputes are on the rise, fuelled by shifting regulatory landscapes, an increase in collective legal actions, and growing scrutiny around worker classification – posing significant challenges for employers nationwide that most domestic policies simply don’t cover. That’s where Bermuda steps in. Price Forbes delivers bespoke W&H solutions from the only active market in the world for this class, giving your clients protection where it matters most.

Why Price Forbes for EPL coverage

  • Largest independent broker in Bermuda with a singular focus on specialist risks
  • Direct access to 14 Bermuda markets, including 7 writing primary EPL
  • Seamless coordination with London and U.S. EPL strategies
  • Over USD300 million in aggregate EPL capacity
  • Custom programme design, not templated placement
  • Trusted partner to leading U.S. intermediaries for high-profile, high-risk clients

Employment Practices Liability Insurance

Frequently Asked Questions

EPL insurance specifically addresses employment-related claims such as harassment, discrimination, and wrongful dismissal, whereas D&O covers management liability. Both are often needed for full protection.

Bermuda offers broader terms, larger limits, and access to markets that can write complex or high-severity risks without the regulatory friction of U.S. domestic carriers. We leverage that flexibility to deliver creative and competitive solutions.

Yes -  we can structure blended policies that include W&H where required, especially for clients with multi-jurisdictional operations or unionised workforces.

In Bermuda, our programmes typically do not require panel counsel, offering greater control and flexibility in how you manage defence strategy.

We serve clients across the size spectrum, from fast-growing multinationals to large-scale employers facing class action or regulatory exposure. If your client has outgrown the domestic market, Bermuda is often the next best move.

Let's Talk

Our insurance experts are always on hand to talk about ways we can join forces to take on the future.