QBE North America's Employment Practices Liability Report Provides Insights on Risks Impacting the Workplace

• Employment-related claims persist. In the past 12 months, 69% of legal and HR professionals said their organization experienced claims made by employees alleging discrimination, harassment, retaliation, or other employment-related issues. Forty-two percent of respondents expect the frequency of employment-related claims at their organization to increase over the next year.
• Employment-related claims and litigation are having an impact. Sixty-three percent of respondents believe financial costs are the most significant consequence of employment-related claims and litigation. Other impacts include damage to reputation and brand, and loss of employee morale and productivity.
• Employee education and training can help prevent and mitigate potential claims. Respondents believe employee education and training should be strengthened most in these areas: use of artificial intelligence (AI) for HR purposes (54%), employee data privacy concerns (47%), and workplace harassment and discrimination (47%).
• EPL insurance provides protection for emerging exposures. Among respondents whose companies have EPL insurance, over the next 12 months, 60% plan to adjust deductibles or premiums, 57% intend to update coverage to reflect new legal requirements, and 51% plan to add coverage for specific risks.

"Employers are being tested in new ways as exposures increase," said Eden Stark, vice president, Financial Lines Claims, QBE North America. "Organizations should review their employment practices and risk management strategies to address new and emerging risks."

More information about QBE's Employment Practice Liability product is available at Management Liability | QBE US.

Survey Methodology  
The survey was conducted by Wakefield Research among 200 legal and HR professionals with a minimum seniority of director, at organizations with an annual revenue of between $500 million and $5 billion, between May 8, and May 20, 2025, using an email invitation and an online survey. Quotas were set for 100 legal professionals and 100 HR professionals. Quotas were also set for 100 respondents with EPL insurance and 100 without.          

About QBE North America
QBE North America is a global insurance leader that gets to the heart of what's at risk for customers. Part of QBE Insurance Group Limited, QBE North America reported Gross Written Premiums in 2024 of $7.3 billion. QBE Insurance Group's results can be found at qbe.com. Headquartered in Sydney, Australia, QBE operates out of 26 countries around the globe, with a presence in every key insurance market. The North America division, headquartered in New York, conducts business primarily through its insurance company subsidiaries. The actual terms and conditions of any insurance coverage are subject to the language of the policies as issued. Additional information can be found at qbe.com/us or follow QBE North America on LinkedIn, Facebook and Instagram.

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SOURCE QBE North America