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Employment Practices Liability

In today’s world, employees are a principal strength for most companies, yet they are also one of the greatest sources of risk. The exposure to claims made by a single employee or a group of employees for employment related issues impacts many, if not all, companies.

Employment practices liability (EPL) insurance covers claims alleging employment practice violations. The coverage provides protection for the company, its employees and directors and officers. EPL can also extend to claims brought by third parties.

EPL insurance includes coverage for:

  • Defense costs
  • Judgments, awards and settlements (includes front pay, back pay, compensatory damages, liquidated damages under the Age Discrimination in Employment Act and Equal Pay Act)
  • Regulatory investigations
  • Mental anguish and emotional distress

Who should consider buying this insurance?

Any organization that has employees should consider purchasing EPL insurance.

In recent years, federal, state and local employment laws have been changing, making EPL insurance more important than ever. Today, employees are more aware of their rights and more willing to come forward with their claims. EPL insurance should be high on any organization's list of risk-management priorities.

EPL insurance also provides access to employment-related risk control services.

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Employment Practices Quantified

This first of its kind analytical tool quantifies any combination of Employment Practices Liability (EPL), Wage & Hour (W&H) and private or nonprofit Directors & Officers (D&O) loss potential.