Employment Practices Liability Insurance covers employers from mistakes and errors made during the employment process. Claims covered under EPLI frequently include wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment related defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insureds.
EPLI generally does not include such claims as bodily injury, property damage or intentional or dishonest acts. It’s important to know that the policy limits include payment of defense costs, unlike general liability policies where such payments are in addition to policy limits.
Though EPLI can be sold as stand-alone coverage, it is most often included as part of a management liability policy with Directors & Officers Insurance and fiduciary liability insurance.
If you have employees, you need to make sure you are covered in this litigious society. Even one unhappy employee who files a claim can have a devastating impact on your company. EPLI is designed to help protect you in such an event. To learn more Employment Practices Liability Insurance, or for a free policy review to see if you’re appropriately covered, Call Roper Insurance today or just use one of the convenient buttons below.