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Thomas Hams
EPL / Wage & Hour
Tom is responsible for negotiation and placement of complex Employment Practices Liability (EPL) and Wage & Hour (W&H) programs in the U.S. Tom offers access to loss prevention service providers across the country and monitors EPL and W&H litigation, settlements, statistics and regulatory changes.
Tom was the architect behind Aon’s Wage and Hour insurance product, which was the first complete risk transfer product for wage and hour exposure in the insurance marketplace. Tom regularly speaks at various conference on topics relating to EPL and W&H including the PLUS International Conference, the Risk and Insurance Management Society Annual Conference, and the American Conference Institute National Forum on EPL and is frequently quoted in national insurance periodicals such as Business Insurance, Risk & Insurance Magazine, Bloomberg and Betterley Reports.
Tom writes on EPL and W&H issues in both FSG Quick Insights and FSG’s EPL and W&H Advisors.
EPL / Wage & Hour

Tom is responsible for negotiation and placement of complex Employment Practices Liability (EPL) and Wage & Hour (W&H) programs in the U.S. Tom offers access to loss prevention service providers across the country and monitors EPL and W&H litigation, settlements, statistics and regulatory changes.
Tom was the architect behind Aon’s Wage and Hour insurance product, which was the first complete risk transfer product for wage and hour exposure in the insurance marketplace. Tom regularly speaks at various conference on topics relating to EPL and W&H including the PLUS International Conference, the Risk and Insurance Management Society Annual Conference, and the American Conference Institute National Forum on EPL and is frequently quoted in national insurance periodicals such as Business Insurance, Risk & Insurance Magazine, Bloomberg and Betterley Reports.
Tom writes on EPL and W&H issues in both FSG Quick Insights and FSG’s EPL and W&H Advisors.
Biometrics and Employment Practices Liability Coverage
November 2023 - The global mobile biometric market is expected to grow over 20 percent by 2028 according to a recent report. What are biometric identifiers? How are they used in the employment context?
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Risks of Artificial Intelligence – A Spotlight on Employment Practices Liability
August 2023 - How will Artificial Intelligence (AI) create risk in the context of employment contracts? AI is defined by the United States Congress as a “machine-based system that can, for a given set of human-defined objectives, make predictions,...
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EPL Advisor – Q2 2023
May 2023 - The Financial Services Group at Aon’s Q2 2023 EPL Advisor includes insights on employment practices risk issues, with particular focus on legal trends and law changes, the evolving marketplace, and claims.
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Wage and Hour Insurance Insights and Trends - November 2022
November 2022 - The Financial Services Group at Aon released its semi-annual Wage and Hour Advisor.
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Employment Practices Liability Insights and Trends – June 2022
June 2022 - The Financial Services Group at Aon’s June EPL advisor includes insights on the following topics.
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FSG Quick Insights
FSG’s experienced professionals provide timely intelligence to help support your risk management and insurance decision-making. The insights cover a range of risks, including D&O, EPL and fiduciary liability.
Aon is not a law firm or accounting firm and does not provide legal, financial or tax advice. Any commentary provided is based solely on Aon’s experience as insurance practitioners. We recommend that you consult with your own legal, financial and/or tax advisors on any commentary provided by Aon. The information contained on this webpage and the statements expressed are of a general nature and are not intended to address the circumstances of any particular individual or entity.
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