Employment Practices Liability

THB Professional & Financial Risks

THB Professional & Financial Risks hold binding authorities with both Brit and Beazley, which have allowed us to quote and bind risks in-house. Another feature of our division is that we are able to provide indications within 24 hours and can provide rough indications based on brief information given via email or over the telephone.

Indications can be provided based upon:
  • Number of employees
  • Business operations 
  • Geographical locations
  • Salary ranges
Additional Coverages offered include:
  • D&O for private companies
  • Fiduciary for private and public companies
  • Crime for private and public companies
Market Overview:

Target Market:
Minimum Limit:
Maximum Limit:
Minimum Retention:
Minimum Premium:		 London
1 - 25,000 employees
USD 250,000
USD 15,000,000
USD 2,500
USD 1,500		 Bermuda
5,000 employees
USD 1,000,000
USD 50,000,000
USD 500,000
USD 10,000

Target Clients (more challenging risks, which domestic markets are often less happy to write):
    PEO's and Temping Agencies:
  • Including separate limits for client companies
    • Accounts with losses:
  • We will look at each account on its own merits
    • Casinos:
  • Including native American
    • Property Managers
  • Including tenant discrimination coverage
    • Accountants
    Healthcare
  • Includes third party
    • Law Firms
  • Including Partner and Failure to Make Partner Coverage
    • Restaurants & Hotels
  • Including 3rd Party and low retentions
    • Architects and Engineers
    Auto dealers
  • Better rates for franchised dealers
    • Municipalities
Key product benefits include:
  • In-house binders from Brit and Beazley
  • 24 hour turnaround
  • Accounts with losses
  • Tailor made coverage
  • Stand alone or combined with D&O, Fiduciary and Crime
  • Risk management services included
  • Worldwide coverage
  • Third Party, Punitive Damages and Defence Outside Limits cover
  • Diluted Hammer clause 80/20 in Insured's favour
  • Wage and Hour coverage in all States including California
  • Master Policies for Associations, Memberships and RPG's
  • Binding authorities for MGA's
  • Limits up to USD 15 million on primary or excess basis
  • Stand alone Sexual Molestation Product

For further information, please send your enquiries to;
Chris Francis

Lindsey Mandel		 T: +44 (0)20 7469 0285
E: cfrancis@thbgroup.com
T: + 44 (0)20 7469 0276
E: lmandel@thbgroup.com