Employment Practices Liability: Trends in Coverage, Claims, and Risk Management
Professional liability insurance encompasses many industries, specialties, and coverages. Employment practices liability is one coverage falling under the umbrella of professional liability. Employment practices liability, commonly abbreviated as EPLI or EPL coverage, provides defense and indemnity (not all carriers might cover indemnity payments) costs relating to damages stemming from employee allegations against employers of employment violations. These violations include claims related to discrimination against protected classes (for example, age, race, gender, disability, sex, and religion); wrongful termination, retaliation, harassment (sexual harassment, hostile work environment); wrongful discipline and other employment issues that could be considered a violation.[1] Some carriers’ policies also extend EPL [...]
