Employment Practices Liability (EPLI)

The U.S. Congress and state legislatures continually redefine the employer/employee relationship creating new risks for your organization. Commercial General Liability policies exclude employment related claims and their related defense costs; hence the reason to consider Employment Practices Liability insurance. The need for coverage typically arises out of allegations of:

  • Wrongful Termination
  • Discrimination
  • Sexual Harassment
If tied to one of the above causes of action, other allegations of wrong doing may also be covered by some policies: whistleblower, libel, slander, or other defamation, invasion of privacy, mental anguish, infliction of emotional distress, loss of consortium, breach of contract, negligent hiring or supervision.

Although this relatively new and important insurance coverage offers needed protections for your organization, there are many exclusions that require advice and counsel from our insurance professionals. Please take a moment to contact us for a no-cost consultation.