Employment Practices Liability Insurance

What is EPL insurance?

Employment practices liability insurance (EPL) helps provide coverage for defense costs and damages related to various employment-related claims, including allegations of wrongful termination, discrimination, workplace harassment and retaliation.

If you think an employment practices claim will never be made against your organization, think again. Employment-related claims impact organizations of every size and in every industry and can disrupt businesses, hurt employee morale, damage reputations and cost businesses financially before even going to court.

Why you may need EPL+

Available through our Travelers BOP (business owner’s policy), EPL+ can help protect your business in the event of a claim alleging wrongful employment practices, such as:

• Discrimination (including age, race, gender and other violations of employment discrimination law)
• Sexual harassment
• Retaliation
• Wrongful termination

EPL+ is designed to help cover your legal defense expenses – regardless of whether you are found to be at fault – as well as damages awarded to an employee, up to the EPL+ coverage limit.

Types of Employment-Related Claims Covered

EPL+ provides comprehensive coverage for a wide range of employment-related claims, including:

• Wrongful Termination: Protection against claims alleging unfair dismissal, breach of contract, or unlawful termination.
• Discrimination: Coverage for claims related to discrimination based on age, race, gender, religion, disability, and other protected characteristics.
• Harassment: Protection against claims of sexual harassment, workplace bullying, and other forms of harassment.
• Retaliation: Coverage for claims alleging retaliation against employees for reporting discrimination, harassment, or other workplace violations.

Comprehensive Protection with EPL+

EPL+ offers more than just financial protection; it provides peace of mind. Knowing that your business is covered against costly legal battles and potential settlements allows you to focus on what matters most – growing your business and fostering a positive work environment. With EPL+, you can confidently navigate the complexities of employment practices liability, knowing you have a trusted partner by your side.

Proactive Risk Management with EPL+

EPL+ includes these valuable features:

• Exclusive online loss prevention program with Risk Management Plus+ Online®.
• Provides training for managers on employment practices-related issues, model workplace policies and sample forms.
• Access to EPL+ helpline supported by attorneys specializing in employment practice issues.1

Identity fraud expense reimbursement

• Risk management guidance to help prevent identity fraud.
• Lets you offer employees some protection for out-of-pocket expenses needed to restore their identity, including:
  • Lost wages
  • Attorneys’ fees
  • Day care and elder care costs