Employment Practices Liability Insurance, explained.
Review the employment claims a general liability policy may not cover.
Employment Practices Liability Insurance
Employment practices liability insurance, often called EPLI, addresses certain claims alleging wrongful employment practices, such as discrimination, harassment, retaliation or wrongful termination. Coverage can include eligible defense costs and settlements, subject to the policy. It is different from workers’ compensation and does not replace sound employment practices or legal advice.
Inside a Employment Practices Liability policy.
Is this for you?
Plain language answers.
No. Workers’ compensation generally addresses work related injury or illness. Allegations about employment decisions and workplace treatment are a different exposure.
No. Wage and hour matters, fines, penalties and intentional misconduct may be excluded or severely limited. Discuss the wording and any available endorsements rather than assume coverage.
Follow the policy’s reporting requirements promptly. Many EPLI policies are claims made and may require reporting during a specified period. Tell the insurer or broker about circumstances before taking actions that could affect coverage.
Coverage availability depends on operations, underwriting and the policy’s terms, limits, deductibles, conditions and exclusions. Descriptions are general education, not a coverage determination. Coverage is not bound by submitting an inquiry.
Coverages that pair well with this one.
Ready for a Employment Practices Liability quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.