Employment Practices Liability — Insurance Claims Definition
Liability
Coverage for claims by employees alleging discrimination, harassment, wrongful termination, and similar workplace issues.
EPLI covers defense and settlements for employment-related allegations. Third party EPL extensions may cover customers or vendors. Wage and hour claims are often sublimited or excluded.
HR best practices and hotlines reduce frequency.
Examples
A former employee alleges age discrimination in termination; EPLI funds defense and mediates a settlement.
Common Mistakes
Assuming GL covers employment claims — usually excluded. Expecting full wage and hour coverage without endorsement.
