Employment Practices Liability Insurance
  

Summary of Insurance

EPLI is Liability Insurance to help protect your business when there is an allegation stemming from discrimination, harassment or another type of wrongful occurrence in the course of employment that is in violation of federal, state or local law, common or statutory.

The Equal Employment Opportunity Commission reported the number of employee complaints received in 2004 was 79,432. As an employer, you are at risk from the people you hire and even the people you decide not to hire. Thanks to a proliferation of federal, state, and local employment laws, your company could be vulnerable to costly litigation.

In technology industries corporate mergers, acquisitions, divestitures, and restructurings are often accompanied by employment terminations and changes in reporting relationships. Such upheaval often spawns numerous lawsuits. In addition, day-to-day human resource practices such as the promotion, discipline, and termination of employees also lead to litigation.

Highlights of Coverage

  • The corporation and its subsidiaries;
  • Directors and Officers;
  • Employees; and
  • Occasionally coverage is provided for third party claims (i.e. by clients, customers, vendors, etc.).

Typical coverage under Employment Practices Liability Contracts includes:

  • wrongful dismissal, discharge or termination of employment, either actual or constructive;
  • harassment (including but not limited to sexual harassment);
  • discrimination;
  • retaliation;
  • employment-related misrepresentation;
  • employment-related libel, slander, humiliation, defamation or invasion of privacy;
  • wrongful failure to employ or promote;
  • wrongful deprivation of career opportunity, wrongful demotion or negligent employee evaluation;
  • wrongful discipline;
  • failure to grant tenure; or
  • with respect to any of the foregoing: negligent hiring, retention, training or supervision, infliction of emotional distress, failure to provide or enforce adequate or consistent corporate policies and procedures, or violation of an individual’s civil rights.

Every EPLI insurer offers a different coverage contract.


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Wired for Growth™ is a registered trademark of Affinity Insurance Services, Inc.; in CA, MN, & OK, AIS Affinity Insurance Agency, Inc. (CA License #0795465) and in NH & NY, AIS Affinity Insurance Agency. Coverage availability may vary by state. This summary is for illustrative purposes only and should in no way be considered to accurately summarize the available insurance coverage. All policies are subject to policy terms, conditions, exclusions, company underwriting guidelines and approval. Affinity Insurance Services is a leading provider of professional liability insurance programs and a subsidiary of Aon.