EPLI Employment Practices Liability Insurance

 

EPLI Employment Practices Liability Insurance practices liability is an area of United States labor law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. It may be categorized as a form of professional liability. Employment practices liability insurance (EPL) is sold as a type of management liability insurance, which is related to professional liability insurance.

 

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The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. The Hartford provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.

If You Have Employees, You need EPLI / Employment Practices Liability Insurance.

  • Discrimination

  • Harassment

  • Retaliation

  • Violation of the Family and Medical Leave Act

  • Wrongful discipline

  • Wrongful failure to promote

  • Wrongful termination

A common employee complaint filed centers around wage and hour violations including wage calculation, overtime calculation and job classifications. Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating an employee’s eligibility to receive overtime. The Hartford’s BOP automatically includes a Wage And Hour Defense Cost sublimit of coverage as part of its built-in EPL coverage – which is a real plus for businesses that are likely to find themselves exposed to wage and hour disputes.