Employment Practices Liability Insurance

Does your business need Employment Practices Liability Insurance?

If you have even one employee, the answer is YES!

Employment Practice Liability Insurance (EPLI) is available to employers to help defend and respond to claims by employees for acts related to their employment. Typical types of claims an employer would see coverage respond to would be:

  • Wrongful dismissal, discharge or termination of employment
  • Violation of employment discrimination laws (including harassment)
  • Breach of a written or oral employment contract or implied employment contract
  • Sexual or workplace harassment of any kind
  • Wrongful demotion
  • Negligent employee evaluation
  • Wrongful deprivation of a career opportunity

Other key aspects of an EPLI policy are:

  • Defense cost coverage for claims seeking non-monetary relief
  • Third Party Liability
  • Independent Contractor coverage
  • Claims involving arbitration, regulatory and administrative proceedings, EEOC & Department of Labor investigations