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XLCatlin’s Bermuda-based Professional Lines Team has launched a new policy thatcombines Employment Practices Liability (‘EPL”) and Wage & Hour coverageinto a seamless option to help clients manage rapidly increasingemployer-related risks.

“As laws governing the workplace evolve, theemployment landscape is rife with litigation pitfalls,” said Matthew Irvine, XLCatlin’s Bermuda Professional Lines Chief Underwriting Officer. “Recentlawsuits against employers increasingly combine allegations of both EPLwrongdoing and Wage & Hour violations, making defense and resolution morecostly than ever. 

“Our combined policy provides the same full range ofEPL coverage as the broad form longtail EPL policy, plus the wide scope ofcoverage of the Wage & Hour policy. By combining the two coverages, the newblended policy also fills any gaps in piecing together separate policies andoffers peace of mind that hybrid claims involving both EPL and Wage & Hourliabilities 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 andavailable third-party discrimination coverage, as well as various damagesincluding punitive damages
  • NewEPL 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, includingthe Equal Employment Opportunity Commission, the Department of Labor and theDepartment of Justice.

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

Aboutthe XL Catlin Insurance Operations 

The XL Catlin insurancecompanies offer property, casualty, professional, financial lines andspecialty insurance products globally. Businesses that are moving the worldforward choose XL Catlin as their partner. To learn more, visit

 About XL Catlin 

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