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XL Catlin's Bermuda Professional Lines Insurance Operations Launch Combined Employment Practices Liability and Wage & Hour Policy


XL Catlin’s Bermuda-based Professional Lines Team has launched a new policy that combines Employment Practices Liability (‘EPL”) and Wage & Hour coverage into a seamless option to help clients manage rapidly increasing employer-related risks.

“As laws governing the workplace evolve, the employment landscape is rife with litigation pitfalls,” said Matthew Irvine, XL Catlin’s Bermuda Professional Lines Chief Underwriting Officer. “Recent lawsuits against employers increasingly combine allegations of both EPL wrongdoing and Wage & Hour violations, making defense and resolution more costly than ever. 

“Our combined policy provides the same full range of EPL coverage as the broad form longtail EPL policy, plus the wide scope of coverage of the Wage & Hour policy. By combining the two coverages, the new blended policy also fills any gaps in piecing together separate policies and offers peace of mind that hybrid claims involving both EPL and Wage & Hour liabilities will be addressed in one comprehensive policy.”

The combined policy features include: 

  • Full EPL coverage including discrimination, harassment, common law violations, wrongful termination and treatment and available third-party discrimination coverage, as well as various damages including punitive damages
  • New EPL perils tailored for the amorphous modern workplace
  • Full Wage & Hour covering statutory wage claim, including statutory damages, earned wages liquidated damages, attorneys’ fees and punitive damages
  • Coverage for claims by employees, independent contractors and the U.S. government, including the Equal Employment Opportunity Commission, the Department of Labor and the Department of Justice.

Patrick Tannock, who leads XL Catlin’s Bermuda Insurance Operations, said: “Offering this comprehensive policy is another demonstration of our ability to understand market changing dynamics and quickly provide solutions that address the rapidly evolving risk management needs of clients.”  

About the XL Catlin Insurance Operations 

The XL Catlin insurance companies offer property, casualty, professional, financial lines and specialty insurance products globally. Businesses that are moving the world forward choose XL Catlin as their partner. To learn more, visit

 About XL Catlin 

XL Catlin is the global brand used by XL Group plc’s (NYSE:XL) insurance and reinsurance companies which provide property, casualty, professional and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world.  Clients look to XL Catlin for answers to their most complex risks and to help move their world forward. To learn more, visit

  • Carol Parker Trott Corporate Communications & Reinsurance C&M Director +1 441 294 7290