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Employment Practices

Employment Practices Liability insurance (EPL) provides wrongful employment act coverage for suits or allegations brought primarily by company employees. These wrongful acts can vary broadly, but primarily include:

  • Discrimination 
  • Wrongful termination 
  • Sexual harassment 
  • Failure to hire
  • Failure to promote
  • Hostile work environment
A company typically purchases EPL insurance to indemnify itself, its directors and officers and its employees from suits brought by plaintiffs. EPL policies may also cover third party claims (primarily customers and clients of the insured) and independent contractors.