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Employment Practices Liability Insurance

What is Employment Practices Liability Insurance?

Employment Practices Liability Insurance (EPLI) typically covers a wide range of employment-related claims. Below are some examples where EPLI coverage applies:

Discrimination Claims: EPLI can protect against claims of discrimination based on factors such as race, gender, age, religion, sexual orientation or disability.

Harassment Claims: EPLI can address claims of harassment such as sexual harassment, verbal harassment or other cases of workplace harassment that creates a hostile work environment.

Wrongful Termination: EPLI covers allegations of wrongful termination, including claims of retaliation, unjust firing, or breach of employment contracts.

Breach of Employment Contract: EPLI can provide protection in cases where employees claim that the organization breached an employment contract or violated certain promises related to job security or other terms of employment.

Retaliation Claims: EPLI provides coverage to allegations of retaliation against employees who have reported workplace misconduct.

Failure to Promote Claims: Claims related to unfair or discriminatory promotion practices, which may include a claim that an employee was passed over for promotion based on a disability.

Hostile Work Environment: EPLI can help protect against claims of creating a hostile work environment due to harassment, discrimination or other harmful behavior.

Defamation Claims: EPLI may cover claims of defamation if an employee alleges false and damaging statements that have been made about them in the workplace.

Who Needs Employment Practices Liability Insurance?

Employment Practices Liability Insurance is valuable for a wide range of businesses and organizations, regardless of their size. Any entity that employs individuals is exposed to the risk of employment-related claims.

Commonly Asked Questions

Can EPLI help with union-related claims?

Employment Practices Liability Insurance (EPLI) can provide coverage for certain union-related claims, but the extent of coverage and the specific types of claims covered may vary depending on the terms and conditions of the EPLI policy. Here's how EPLI can help with union-related claims:...Read More

Does EPLI extend to claims related to layoffs and downsizing?

Employment Practices Liability Insurance (EPLI) can extend to claims related to layoffs and downsizing, but the specific coverage may vary based on the terms and conditions of the EPLI policy. Layoffs and downsizing can give rise to various employment-related claims, such as:...Read More

What is a claims-made policy in EPLI?

Coverage in a claims-made EPLI policy is triggered when the insured organization reports a claim to the insurance company during the policy period. The key date is when the claim is made, not when the alleged wrongful act occurred...Read More

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