Employment Practices & Liability (EPLI) Insurance

Employment practices liability insurance covers wrongful acts arising from the employment process. Employment related claims are always excluded from the commercial general liability policy.

<strong>What does EPLI Cover?</strong>

What does EPLI Cover?

The most frequent types of claims covered under an EPLI policy include: wrongful termination, discrimination, sexual harassment and retaliation. In addition, the policy may cover claims from a variety of other types of inappropriate workplace conduct, including, but not limited to:

  • Defamation
  • Invasion of Privacy
  • Failure to Promote
  • Deprivation of a Career Opportunity
  • Negligent Evaluation

Why You Need EPLI

  • Charges against employers for discrimination, harassment and retaliatory treatment are up in excess of 15% since 2008
  • The legal landscape for employers continues to change with the passage of new laws and amendments
  • Layoffs, downsizings, salary freezes and reductions in benefits can be used by past and present employees as evidence of “tangible adverse employment actions” to file charges of discrimination, harassment, retaliation and wrongful termination against employers.

What Can You Do To Protect Yourself

  • Purchase EPL coverage from a professional liability insurance company. Look at the cost of transferring the risk:
    • $150,000 = the average cost of defense
    • $250,000 = the average jury award if the case goes to a verdict

What Coverage Are We Offering

  • Retentions as low as $2,500 per Claim
  • Defense Costs in addition to the Limit of Liability (for eligible insureds)
  • Automatic Third Party EPL coverage
  • Defense Cost coverage for non-monetary relief
  • Broad definition of Claim which includes: Arbitration, regulatory and administrative proceedings, EEOC and DOL investigations and requests to toll the statute of limitations
  • Loss Control Assistance