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HSB Offers Expanded EPL Coverage to Help Businesses Respond to a Crisis


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    • EPL Plus combines employment insurance with Critical Incidents coverage
    • Unique protection for today’s changing employment risks
    • Supports businesses and employees as they recover from a crisis

    “Critical incidents are on the rise”

    Specialty insurer HSB today introduced an expanded Employment Practices Liability (EPL) policy for small business owners that adds an extra layer of protection for workplace threats and violence.

    Employment Practices Liability Plus bundles insurance for discrimination, harassment, and other claims of wrongful employment practices with HSB’s Critical Incidents coverage in one simple and affordable policy.

    “Employment charges are increasing and critical incidents are on the rise,” said Sandra Tata, vice president for specialty liability for HSB, part of Munich Re. “Defending an employment practices claim is expensive, while incidents of harm can be devastating for any business, its employees, and reputation. EPL Plus provides protection to keep up with the changing exposures businessowners face in today’s evolving world.

    Broad Coverage for Employment Charges

    HSB designed EPL Plus for small businesses that do not have the resources to defend themselves against employment practices charges and lawsuits.

    The combination of EPL coverage and crisis protection is unique and offers HSB’s reinsured carriers the ability to include it within an underlying commercial package policy.

    Other added services include claims management, risk management services, and full implementation support for the coverage.

    A Higher Level of Protection

    A small business survey conducted for HSB found that 34 percent have experienced at least one serious employee threat or violent incident.

    HSB Critical Incidents coverage supports businesses and employees as they recover from a workplace incident with coverage and services that include counseling, crisis management, security guarding and loss of business income.

    HSB Employment Practices Liability Plus with Critical Incidents coverage is available through insurance companies that partner with HSB. 

    Learn more about HSB Employment Practices Liability Plus and other specialty coverages provided by HSB.

    For further questions please contact
    Dennis Milewski
    Dennis Milewski
    Media Relations, HSB


    HSB, part of Munich Re, is a multi-line specialty insurer and provider of inspection, risk management and IoT technology services. HSB insurance offerings include equipment breakdown, cyber risk, specialty liability and other coverages. HSB blends its engineering expertise, technology and data to craft inventive insurance and service solutions for existing and emerging risks posed by technological change. Throughout its 150-year history HSB’s mission has been to help clients prevent loss, advance sustainable use of energy and build deeper relationships that benefit business, public institutions and consumers. HSB holds A.M. Best Company’s highest financial rating, A++ (Superior). For more information, visit www.hsb.com and connect on LinkedInX and Facebook.

    Munich Re is one of the world’s leading providers of reinsurance, primary insurance and insurance-related risk solutions. The group consists of the reinsurance and ERGO business segments, as well as the asset management company MEAG. Munich Re is globally active and operates in all lines of the insurance business. Since it was founded in 1880, Munich Re has been known for its unrivalled risk-related expertise and its sound financial position. It offers customers financial protection when faced with exceptional levels of damage - from the 1906 San Francisco earthquake through Hurricane Ian in 2022. Munich Re possesses outstanding innovative strength, which enables it to also provide coverage for extraordinary risks such as rocket launches, renewable energies or cyberattacks. The company is playing a key role in driving forward the digital transformation of the insurance industry, and in doing so has further expanded its ability to assess risks and the range of services that it offers. Its tailor-made solutions and close proximity to its customers make Munich Re one of the world’s most sought-after risk partners for businesses, institutions, and private individuals.

    Hartford, Connecticut, March 14, 2024

    The Hartford Steam Boiler Inspection and Insurance Company
    One State Street
    P.O. Box 5024
    Hartford, Connecticut 06102-5024
    United States