Overview Head of Third Party Damage (Claims ERS) Grade: 2 Reporting to: Head of Claims, ERS Location: London About us ERS Syndicate 218 at Lloyds is managed by Starr. We are the UK's largest specialist motor insurer with an A+ rating and have been making motoring passions and livelihoods possible since 1946. We work exclusively with motor insurance brokers to help get under the skin of the most difficult insurance risks, helping build products to meet their customer's needs. Starr is a global insurance and investment organisation providing property and casualty insurance solutions to business and industry. Starr has grown into one of the world's fastest expanding insurance organisations, writing business in 128 countries across six continents. Our talented and experienced associates manage risk and ultimately support the profitable growth of organisations in a dynamic, competitive and ever-changing marketplace. Join us and become part of our talented and passionate workforce. The role The Head of Third Party Claims is responsible for leading, developing, and managing the end-to-end third- party claims journey. This includes strategic oversight of operational performance, technical excellence, and service delivery across all third-party claims functions, from Agriculture to Prestige vehicles. Key responsibilities Ensuring fair customer outcomes and compliance with internal policies, legal standards, and regulatory requirements. Driving cost control throughout the claims lifecycle across all elements of Third Party claims spend. Identifying and developing commercial opportunities through market, legal, and technical insight. Owning and influencing key elements of the third-party claims supply chain costs. Driving claims digitalisation and automation initiatives. This role sits within a market-leading central technical function focused on customer outcomes, indemnity control and case reserving adequacy. It requires the ability to develop and implement strategy based on detailed financial analysis, with a focus on performance improvement and proactive management of risks, threats, and opportunities related to claims leakage. Key responsibilities Develop and deliver the strategic vision for third party motor claims to align with the overall claims strategy. Drive innovation using data analytics, technology and process optimisation. Oversee and support the effective management of complex and high value claims and processes with technical, regulatory or financial implications. Build influential relationships with external partners including repair networks, solicitors, the General Terms of Agreement (GTA) committee, Credit Hire Organisation's (CHO's) and third party insurers. Monitor management information, analyse and manage performance. Additionally ensure partners represent the ERS values and that the ERS brand is protected in relation to their actions including but not limited to Consumer Duty, Operational Resilience, Lloyds Oversight principles and other legal and regulatory requirements. Manage claims budgets, expense ratios and indemnity spend to ensure financial targets are met. Initiate indemnity control and operational effectiveness initiatives with sound business cases, tracking post implementation performance. Engage, lead and coach the third-party claims management team to achieve operational excellence and seek opportunity for continuous improvement. Ensure effective management of case reserving in accordance with the company's published reserving policy. Contribute to review of reserving philosophy and technical reserve allocation, ensuring that Actuaries are provided with a good understanding of working practices and developments in the Claims function. Collaborate with internal business partners to improve insight of performance using management information and identify and deploy remedial and opportunistic actions. Use analysis to draft reports, support the preparation of executive and board packs and provide insight to financial performance of the portfolio to Underwriting, Actuarial and Finance. Provide proactive diagnosis of trends and areas for improvement with a focus on clarity, accuracy and strategic relevance. Counter the impact of fraud on claims by developing and adopting appropriate strategies in conjunction with the Fraud Team. Essential qualifications, skills, and experience Extensive experience in motor claims management, with a thorough understanding of claims processes and current market trends. Proven ability to deliver on key goals and drive measurable performance improvements within tight timeframes. In-depth technical expertise in motor liability, credit hire, personal injury, and relevant legal and regulatory frameworks. Experience of working with actuarial development triangles. Skilled in producing professional, well-structured, and accurate reports suitable for formal committee review, within set deadlines. Track record of delivering a strategic review of credit hire controls and initiatives to improve the customer experience and enhance controls on indemnity spend. Desirable qualifications, skills, and experience Demonstrable experience in leading claims automation initiatives or driving digital transformation within a claims environment. Desirable behavioural attributes High level of numeracy and analytical skills, with the ability to interpret data and identify underlying trends that support sound judgment within decision-making Innovative approach to problem solving Maintains a strategic perspective Strong commercial awareness with a clear understanding of portfolio performance across both Claims and Underwriting functions. Flexible leadership style, with a passion for coaching and developing team members to support personal growth. Ability to build effective internal and external relationships. Excellent communication, negotiation, and stakeholder engagement capabilities. Results-driven, with a focus on identifying opportunities for improvement and delivering enhanced outcomes. Starr is an equal opportunity employer, which means we will consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees. We offer first class training and development opportunities to all employees. Our aim is to grow our own talent and bring out the best in people.
Apr 26, 2026
Full time
Overview Head of Third Party Damage (Claims ERS) Grade: 2 Reporting to: Head of Claims, ERS Location: London About us ERS Syndicate 218 at Lloyds is managed by Starr. We are the UK's largest specialist motor insurer with an A+ rating and have been making motoring passions and livelihoods possible since 1946. We work exclusively with motor insurance brokers to help get under the skin of the most difficult insurance risks, helping build products to meet their customer's needs. Starr is a global insurance and investment organisation providing property and casualty insurance solutions to business and industry. Starr has grown into one of the world's fastest expanding insurance organisations, writing business in 128 countries across six continents. Our talented and experienced associates manage risk and ultimately support the profitable growth of organisations in a dynamic, competitive and ever-changing marketplace. Join us and become part of our talented and passionate workforce. The role The Head of Third Party Claims is responsible for leading, developing, and managing the end-to-end third- party claims journey. This includes strategic oversight of operational performance, technical excellence, and service delivery across all third-party claims functions, from Agriculture to Prestige vehicles. Key responsibilities Ensuring fair customer outcomes and compliance with internal policies, legal standards, and regulatory requirements. Driving cost control throughout the claims lifecycle across all elements of Third Party claims spend. Identifying and developing commercial opportunities through market, legal, and technical insight. Owning and influencing key elements of the third-party claims supply chain costs. Driving claims digitalisation and automation initiatives. This role sits within a market-leading central technical function focused on customer outcomes, indemnity control and case reserving adequacy. It requires the ability to develop and implement strategy based on detailed financial analysis, with a focus on performance improvement and proactive management of risks, threats, and opportunities related to claims leakage. Key responsibilities Develop and deliver the strategic vision for third party motor claims to align with the overall claims strategy. Drive innovation using data analytics, technology and process optimisation. Oversee and support the effective management of complex and high value claims and processes with technical, regulatory or financial implications. Build influential relationships with external partners including repair networks, solicitors, the General Terms of Agreement (GTA) committee, Credit Hire Organisation's (CHO's) and third party insurers. Monitor management information, analyse and manage performance. Additionally ensure partners represent the ERS values and that the ERS brand is protected in relation to their actions including but not limited to Consumer Duty, Operational Resilience, Lloyds Oversight principles and other legal and regulatory requirements. Manage claims budgets, expense ratios and indemnity spend to ensure financial targets are met. Initiate indemnity control and operational effectiveness initiatives with sound business cases, tracking post implementation performance. Engage, lead and coach the third-party claims management team to achieve operational excellence and seek opportunity for continuous improvement. Ensure effective management of case reserving in accordance with the company's published reserving policy. Contribute to review of reserving philosophy and technical reserve allocation, ensuring that Actuaries are provided with a good understanding of working practices and developments in the Claims function. Collaborate with internal business partners to improve insight of performance using management information and identify and deploy remedial and opportunistic actions. Use analysis to draft reports, support the preparation of executive and board packs and provide insight to financial performance of the portfolio to Underwriting, Actuarial and Finance. Provide proactive diagnosis of trends and areas for improvement with a focus on clarity, accuracy and strategic relevance. Counter the impact of fraud on claims by developing and adopting appropriate strategies in conjunction with the Fraud Team. Essential qualifications, skills, and experience Extensive experience in motor claims management, with a thorough understanding of claims processes and current market trends. Proven ability to deliver on key goals and drive measurable performance improvements within tight timeframes. In-depth technical expertise in motor liability, credit hire, personal injury, and relevant legal and regulatory frameworks. Experience of working with actuarial development triangles. Skilled in producing professional, well-structured, and accurate reports suitable for formal committee review, within set deadlines. Track record of delivering a strategic review of credit hire controls and initiatives to improve the customer experience and enhance controls on indemnity spend. Desirable qualifications, skills, and experience Demonstrable experience in leading claims automation initiatives or driving digital transformation within a claims environment. Desirable behavioural attributes High level of numeracy and analytical skills, with the ability to interpret data and identify underlying trends that support sound judgment within decision-making Innovative approach to problem solving Maintains a strategic perspective Strong commercial awareness with a clear understanding of portfolio performance across both Claims and Underwriting functions. Flexible leadership style, with a passion for coaching and developing team members to support personal growth. Ability to build effective internal and external relationships. Excellent communication, negotiation, and stakeholder engagement capabilities. Results-driven, with a focus on identifying opportunities for improvement and delivering enhanced outcomes. Starr is an equal opportunity employer, which means we will consider all suitably qualified applicants regardless of gender identity or expression, ethnic origin, nationality, religion or beliefs, age, sexual orientation, disability status or any other protected characteristic. We recruit and develop our people based on merit and we're committed to creating an inclusive environment for all employees. We offer first class training and development opportunities to all employees. Our aim is to grow our own talent and bring out the best in people.
Pricing Manager page is loaded Pricing Managerlocations: Londontime type: Full timeposted on: Posted Todayjob requisition id: RHowden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.People join Howden for many different reasons, but they stay for the same one: our culture. It's what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities - work / life balance, career progression, sustainability, volunteering - you'll find like-minded people driving change at Howden. Personal Lines Pricing Manager Reporting to: Personal Lines Pricing & Analytics Director Contract: Full time Hybrid working About DUAL UK Personal Lines DUAL UK Personal Lines is the specialist motor and home underwriting business within DUAL Group, operating through the KGM, Eridge and Aurum brands in motor, and the Magenta brand in non-standard home insurance. With over 60-years of heritage, our business now writes over £300m GWP annually, across a broad portfolio of specialist consumer and commercial motor and home products.Our business has achieved steady growth in recent years by combining fast, friendly and flexible service with deep underwriting expertise and strong distribution relationships. This approach has been recognised via recent industry awards, including both the UK Broker Choice and Insurance Times MGA of the Year and a five-star rating in the Insurance Times Broker survey for 4 years in a row. The Opportunity We are now seeking a Personal Lines Pricing Manager to join our business. This is a newly-created role, which will sit within a newly-created Pricing & Analytics team. The team brings together existing pricing activity from across the business to create a focused centre of excellence. With significantly increased investment into Pricing & Analytics, the new team will be at the heart of enabling of our continued business success over coming years. Role purpose The Personal Lines Pricing Manager is a senior technical pricing role responsible for the design, deployment and ongoing optimisation of pricing strategies within DUAL UK's Personal Lines portfolio. The role is hands-on and commercially embedded, working closely with Underwriting, DUAL Actuarial (reserving) and Claims colleagues to ensure pricing strategy and execution is competitive, compliant, aligned to commercial objectives and tuned to the diverse needs of the specialist product lines within our portfolio. Key responsibilities Pricing strategy & execution + Develop and optimise pricing strategies for Personal Lines products, with a primary focus on Motor lines + Translate underwriting appetite and portfolio objectives into effective pricing actions + Contribute across the end-to-end pricing lifecycle from analysis to deployment and monitoring + Balance risk, profitability, competitiveness and growth objectives Pricing models & tools + Design, enhance and maintain pricing models and rating structures + Calibrate rating factors in response to experience and market movement + Support development of pricing tools, automation and MI + Contribute to advancing pricing capability over time Performance monitoring & insight + Develop and maintain pricing MI and rate monitoring + Analyse pricing performance by product, segment and channel + Contribute to business planning and portfolio reviews Stakeholder partnership + Act as key pricing contact for Underwriting teams + Provide expert pricing input and constructive challenge + Collaborate with Actuarial (reserving), Claims, Operations and Technology as needed + Communicate recommendations clearly to senior stakeholders Governance & compliance + Ensure pricing complies with regulatory and internal governance standards + Support pricing governance forums and audits + Maintain strong documentation and change control Candidate requirements Strong experience in UK Personal Lines pricing + Motor experience is essential + Experience of specialist motor lines is an advantage + Additional home pricing experience is an advantage. Proven hands-on capability in pricing model development and rate optimisation Excellent numerical and analytical skills, and commercial mindset Strong interpersonal, stakeholder management and communication / presentation skills with the ability to influence cross-functional teams and senior stakeholders Familiarity with range of pricing tools such from Radar/Emblem to R, Python and Excel Degree-level qualification in a numerate discipline Evidence of ability and appetite to succeed in a fast-paced, rapidly evolving growth business.A career that you define. At Howden, we value diversity - there is no one Howden type. Instead, we're looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond Reasonable adjustments We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working .If you're excited by this role but have some doubts about whether it's the right fit for you, send us your application - if your profile fits the role's criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require. Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.Permanent
Apr 24, 2026
Full time
Pricing Manager page is loaded Pricing Managerlocations: Londontime type: Full timeposted on: Posted Todayjob requisition id: RHowden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.People join Howden for many different reasons, but they stay for the same one: our culture. It's what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities - work / life balance, career progression, sustainability, volunteering - you'll find like-minded people driving change at Howden. Personal Lines Pricing Manager Reporting to: Personal Lines Pricing & Analytics Director Contract: Full time Hybrid working About DUAL UK Personal Lines DUAL UK Personal Lines is the specialist motor and home underwriting business within DUAL Group, operating through the KGM, Eridge and Aurum brands in motor, and the Magenta brand in non-standard home insurance. With over 60-years of heritage, our business now writes over £300m GWP annually, across a broad portfolio of specialist consumer and commercial motor and home products.Our business has achieved steady growth in recent years by combining fast, friendly and flexible service with deep underwriting expertise and strong distribution relationships. This approach has been recognised via recent industry awards, including both the UK Broker Choice and Insurance Times MGA of the Year and a five-star rating in the Insurance Times Broker survey for 4 years in a row. The Opportunity We are now seeking a Personal Lines Pricing Manager to join our business. This is a newly-created role, which will sit within a newly-created Pricing & Analytics team. The team brings together existing pricing activity from across the business to create a focused centre of excellence. With significantly increased investment into Pricing & Analytics, the new team will be at the heart of enabling of our continued business success over coming years. Role purpose The Personal Lines Pricing Manager is a senior technical pricing role responsible for the design, deployment and ongoing optimisation of pricing strategies within DUAL UK's Personal Lines portfolio. The role is hands-on and commercially embedded, working closely with Underwriting, DUAL Actuarial (reserving) and Claims colleagues to ensure pricing strategy and execution is competitive, compliant, aligned to commercial objectives and tuned to the diverse needs of the specialist product lines within our portfolio. Key responsibilities Pricing strategy & execution + Develop and optimise pricing strategies for Personal Lines products, with a primary focus on Motor lines + Translate underwriting appetite and portfolio objectives into effective pricing actions + Contribute across the end-to-end pricing lifecycle from analysis to deployment and monitoring + Balance risk, profitability, competitiveness and growth objectives Pricing models & tools + Design, enhance and maintain pricing models and rating structures + Calibrate rating factors in response to experience and market movement + Support development of pricing tools, automation and MI + Contribute to advancing pricing capability over time Performance monitoring & insight + Develop and maintain pricing MI and rate monitoring + Analyse pricing performance by product, segment and channel + Contribute to business planning and portfolio reviews Stakeholder partnership + Act as key pricing contact for Underwriting teams + Provide expert pricing input and constructive challenge + Collaborate with Actuarial (reserving), Claims, Operations and Technology as needed + Communicate recommendations clearly to senior stakeholders Governance & compliance + Ensure pricing complies with regulatory and internal governance standards + Support pricing governance forums and audits + Maintain strong documentation and change control Candidate requirements Strong experience in UK Personal Lines pricing + Motor experience is essential + Experience of specialist motor lines is an advantage + Additional home pricing experience is an advantage. Proven hands-on capability in pricing model development and rate optimisation Excellent numerical and analytical skills, and commercial mindset Strong interpersonal, stakeholder management and communication / presentation skills with the ability to influence cross-functional teams and senior stakeholders Familiarity with range of pricing tools such from Radar/Emblem to R, Python and Excel Degree-level qualification in a numerate discipline Evidence of ability and appetite to succeed in a fast-paced, rapidly evolving growth business.A career that you define. At Howden, we value diversity - there is no one Howden type. Instead, we're looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond Reasonable adjustments We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working .If you're excited by this role but have some doubts about whether it's the right fit for you, send us your application - if your profile fits the role's criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require. Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.Permanent
About us Trinity Claims delivers a dedicated, end-to-end claims management service exclusively for our sister company, Policy Expert. Combining cutting-edge proprietary technology with the highest standards of customer care, we provide seamless support from the very first point of contact through to final resolution, ensuring customers feel supported every step of the way. Our team of experts have earned the trust and confidence of thousands of customers by consistently delivering results. With a 4.5-star Trustpilot rating, we're proud to be recognised for our commitment, expertise, and determination to go above and beyond when it matters most. Trustpilot Glassdoor About the role: To provide general legal support to the Head of Legal Services at Trinity Claims, including the supervision and monitoring of external service providers; liaising with insurers, their policyholders, third parties and suppliers; the conduct of litigation on behalf of Trinity Claims and their parent, the QMetric Group Limited; providing legal advice on policy wordings; and delivering a market leading legal service. Key Responsibilities: Conducting the defence of litigation of claims brought against Trinity Claims or the wider QMetric Group, as well our insurer clients. Supervision and monitoring of external service providers: Management and review of service providers' contracts, Initiating and conducting tenders, Auditing performance against agreed criteria, Regular meetings to review performance, Reporting to senior management on performance. Providing policy advice on the interpretation and drafting of household, motor, pet and related policies. Provide general legal advice and assistance to Trinity Claims and the wider QMetric Group Limited on a broad range of issues including: Commercial contracts, Employment issues, Large and/or complex losses, Legal research. Review documents and advise on liability, quantum, and strategy. Carry out legal research. Draft pleadings, applications, instructions and statements. Participate in settlement negotiations and ADR. Maintain an effective claims handling and diarising system. Report internally on a regular basis with KPIs. Provide excellent customer service. Plan and execute strategic initiatives to agreed timelines. Ensure a relevant level of technical understanding with continuous development and training. Undertake any individual or team task or activity reasonably requested and in line with the company values. Be self-motivated to work independently, managing your time and prioritising your workload appropriately. Maintain resilience and composure to remain positive under pressure and in changing circumstances. Demonstrate a desire to take ownership of your work and maintain excellent attention to detail. Ensure a relevant level of specialist understanding with continuous development and learning. Constantly seek and communicate improvements in business processes. Manage multiple activities by prioritising important and urgent tasks. Key Requirements: At least 5 years relevant legal experience. Legal qualifications or progress towards them. Prior experience of handling litigation. Understanding of Court Procedure Rules and litigation management. Excellent verbal and written communication skills. Accurate with a high level of attention to detail. Tact and assertiveness when dealing with third parties and opponents. Ability to work well under pressure and meet deadlines. Ability to take on increased ownership and responsibility when necessary. The ability to work individually and proactively, as well as part of a team. In return, we can offer you: £35-50,000 DOE, as well as market leading benefits. 25 days Annual leave plus statutory holidays. Just some of the great benefits we offer: On-site gym Free on-site parking Free on-site breakfast bar Complimentary on-site snacks and soft drinks Discretionary performance related bonus An extra day's holiday for your birthday Application deadline: this position will remain open until we have found the right person for the job. We kindly request that no agencies contact us regarding this position. Speculative CVs will not be accepted. Trinity Claims is an equal opportunities employer and we positively encourage applications from suitably qualified and eligible candidates regardless of your gender, age, race, disability, ethnic background, religion or belief, sexual orientation, gender reassignment, marital status, or pregnancy and maternity.
Oct 03, 2025
Full time
About us Trinity Claims delivers a dedicated, end-to-end claims management service exclusively for our sister company, Policy Expert. Combining cutting-edge proprietary technology with the highest standards of customer care, we provide seamless support from the very first point of contact through to final resolution, ensuring customers feel supported every step of the way. Our team of experts have earned the trust and confidence of thousands of customers by consistently delivering results. With a 4.5-star Trustpilot rating, we're proud to be recognised for our commitment, expertise, and determination to go above and beyond when it matters most. Trustpilot Glassdoor About the role: To provide general legal support to the Head of Legal Services at Trinity Claims, including the supervision and monitoring of external service providers; liaising with insurers, their policyholders, third parties and suppliers; the conduct of litigation on behalf of Trinity Claims and their parent, the QMetric Group Limited; providing legal advice on policy wordings; and delivering a market leading legal service. Key Responsibilities: Conducting the defence of litigation of claims brought against Trinity Claims or the wider QMetric Group, as well our insurer clients. Supervision and monitoring of external service providers: Management and review of service providers' contracts, Initiating and conducting tenders, Auditing performance against agreed criteria, Regular meetings to review performance, Reporting to senior management on performance. Providing policy advice on the interpretation and drafting of household, motor, pet and related policies. Provide general legal advice and assistance to Trinity Claims and the wider QMetric Group Limited on a broad range of issues including: Commercial contracts, Employment issues, Large and/or complex losses, Legal research. Review documents and advise on liability, quantum, and strategy. Carry out legal research. Draft pleadings, applications, instructions and statements. Participate in settlement negotiations and ADR. Maintain an effective claims handling and diarising system. Report internally on a regular basis with KPIs. Provide excellent customer service. Plan and execute strategic initiatives to agreed timelines. Ensure a relevant level of technical understanding with continuous development and training. Undertake any individual or team task or activity reasonably requested and in line with the company values. Be self-motivated to work independently, managing your time and prioritising your workload appropriately. Maintain resilience and composure to remain positive under pressure and in changing circumstances. Demonstrate a desire to take ownership of your work and maintain excellent attention to detail. Ensure a relevant level of specialist understanding with continuous development and learning. Constantly seek and communicate improvements in business processes. Manage multiple activities by prioritising important and urgent tasks. Key Requirements: At least 5 years relevant legal experience. Legal qualifications or progress towards them. Prior experience of handling litigation. Understanding of Court Procedure Rules and litigation management. Excellent verbal and written communication skills. Accurate with a high level of attention to detail. Tact and assertiveness when dealing with third parties and opponents. Ability to work well under pressure and meet deadlines. Ability to take on increased ownership and responsibility when necessary. The ability to work individually and proactively, as well as part of a team. In return, we can offer you: £35-50,000 DOE, as well as market leading benefits. 25 days Annual leave plus statutory holidays. Just some of the great benefits we offer: On-site gym Free on-site parking Free on-site breakfast bar Complimentary on-site snacks and soft drinks Discretionary performance related bonus An extra day's holiday for your birthday Application deadline: this position will remain open until we have found the right person for the job. We kindly request that no agencies contact us regarding this position. Speculative CVs will not be accepted. Trinity Claims is an equal opportunities employer and we positively encourage applications from suitably qualified and eligible candidates regardless of your gender, age, race, disability, ethnic background, religion or belief, sexual orientation, gender reassignment, marital status, or pregnancy and maternity.
