Discrimination allegations
Claims alleging unlawful discrimination in hiring, promotion, discipline, or other workplace decisions may be among the exposures a policy addresses.
Employment disputes can lead to costly defense and resolution expenses for organizations of many sizes. Employment Practices Liability Insurance (EPLI) may help address certain claims involving workplace practices, subject to the policy’s terms, limits, conditions, and exclusions.
Request a coverage reviewCall 800-310-2743EPLI is a form of management liability coverage for an organization’s exposure to claims connected to the employment relationship. Depending on the policy, covered claims may involve current or former employees, applicants, or others identified in the policy wording.
Policies may be written on a stand-alone basis or offered as an endorsement to a businessowners or commercial package policy. Terms can vary, and package coverage may have different limits or scope than a stand-alone policy.
Claims alleging unlawful discrimination in hiring, promotion, discipline, or other workplace decisions may be among the exposures a policy addresses.
Review how the policy responds to covered allegations of harassment, retaliation, or other wrongful employment practices.
Some forms address certain claims related to termination, demotion, failure to promote, or employment contract disputes.
A workplace allegation can require a prompt response, documentation, and legal counsel. EPLI may help with covered defense expenses and covered settlements or judgments, subject to the applicable limits, retention, reporting requirements, and policy language.
Businesses should also maintain clear written employment procedures, train managers, document decisions, and promptly address workplace complaints. Insurance does not replace sound HR practices or legal counsel.
Employee count, locations, job roles, seasonal staffing, and use of independent contractors or leased employees.
Existing EPLI or management liability policies, prior coverage dates, retroactive dates, and requested limits.
Employee handbook, complaint process, manager training, written hiring and discipline procedures, and recordkeeping.
Insurers may also ask about past claims or circumstances, turnover, and pending disputes. Give complete and accurate information in the application and follow any policy notice requirements.
Start a quote requestTalk with our teamDepending on the form, EPLI may address certain claims alleging discrimination, harassment, wrongful termination, retaliation, failure to hire or promote, or other employment practices. The actual policy defines the covered claims and insured parties.
Employment practices liability is generally a separate exposure. It may be available as a stand-alone policy or through an endorsement, but do not assume a general liability policy provides EPLI coverage. Review your policy documents.
Many EPLI policies are claims-made. The policy may require a claim to be first made and reported during the policy period or an applicable reporting extension. Check the exact wording, retroactive date, and notice rules.
No policy covers every dispute. Coverage depends on definitions, exclusions, sublimits, retentions, limits, and other terms. Wage-and-hour matters, benefits disputes, fines, punitive damages, and other categories may be excluded or treated in a specific way.
Workers’ compensation generally responds to covered employee work-related injuries or illnesses. EPLI addresses certain employment-practice allegations, such as discrimination or wrongful termination. The policies serve different purposes and contain different terms.
Insurers may consider employee count, business operations, locations, claims history, workplace practices, requested coverage terms, and other underwriting information.
Options may be available for businesses of different sizes, sometimes as an endorsement or as stand-alone coverage. Eligibility and terms depend on insurer underwriting.
Use our quote request page or call 800-310-2743. Have your current policies, employee information, and claims history ready if available.
We can help gather the information insurers need and compare available EPLI options for your Broward County business.
Request a quoteCall 800-310-2743Coverage descriptions are general information only. Insurance is subject to underwriting, policy terms, conditions, limitations, and exclusions. A quote or coverage review does not bind coverage.
Additional information: Insurance Information Institute: What is EPLI? · Travelers: Employment Practices Liability