What Is Employment Practices Liability Insurance, or EPLI?

What Is Employment Practices Liability Insurance, or EPLI?

Legislation such as the Family Medical Leave Act and the Americans With Disabilities Act, plus a growing number of job-related lawsuits and claims, have created the need for business owners to consider a type of insurance known as employment practices liability insurance, or EPLI. An EPLI policy offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers. These policies generally cover charges in the following areas:

  • Gender, age and other types of discrimination
  • Sexual harassment
  • Wrongful termination or discipline
  • Negligent compensation, promotion or hiring decisions
  • Breach of contract for employment
  • Emotional distress or mental anguish
  • Invasion of privacy
  • Libel or slander
  • Constructive Termination
  • 3rd Party Discrimination Against Non-Employees I.E. Customers and Third Party Service Providers
  • Wage & Hour Complaints (always sublimited for defense only)

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