Employment Practices Liability Insurance responds to claims made by employees, former employees and potential employees, alleging wrongful termination, discrimination for age, sex, race, disability or sexual harassment among other employment related allegations.
Employment Practices Liability Insurance, often referred to as EPLI coverage, has evolved over the past decade and more employers are aware of its importance simply through high-profile court cases that have awarded millions of dollars to employees. In 1991, the United States Congress passed the Civil Rights Amendments, which contained several provisions. One key provision among them was the requirement of a jury trial for most alleged types of work-related discrimination, if desired by the plaintiff employee. This set the tone for the expansion of Employment Practices Liability Insurance.
Isn’t this covered under a general liability policy?
Isn‘t this covered under my workers’ compensation policy?
I’m a good manager and have a good relationship with my employees. My employees wouldn’t bring a claim against me.
Employment practices claims don’t apply to my law firm because we have fewer than 15 employees.
I use contract employees, so I have no employment practice liability exposure.