Employment practices liability insurance, or EPLI, provides coverage for claims of discrimination based on age, race, gender, disability and other factors. EPLI also includes claims of sexual harassment and wrongful termination by employees.

WHY EPLI MAY BE REQUIRED:

Some companies require EPLI because the broad scope of this type of coverage protects the business entity, employees, officers, directors, stockholders, partnerships, and newly acquired organizations from the costs of litigating suits for wrongful employment practices. Frivolous lawsuits abound, and it is important to expand liability coverage to protect against a litigious marketplace environment. Our policy is a "duty to defend" policy providing defense of all covered claims regardless of their legitimacy. Wrongful employment practices include:

-Wrongful refusal to employ a qualified applicant
-Wrongful failure to promote a qualified employee
-Wrongful demotion, evaluation, reassignment or -discipline of an employee
-Wrongful termination of employment, including constructive discharge
-Defamation of character

Oral or written publication of material that slanders or libels an employee or violates or invades an employee’s right of privacy based on color, creed, national origin, marital status, medical condition, gender, age, physical appearance, physical or mental impairments, pregnancy, sexual orientation or sexual preference.

COVERAGE:

Coverage includes an annual Aggregate $5,000 (per claim) as requested

This limit includes the following expenses:

-Defense Expenses
-Compensatory Monetary Awards
-Remedial Awards
-Judgments
-Pre- and Post-Judgment Interest

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