Employment Practices Liability (EPL)
Employees have become very sensitive about actual or alleged acts of Discrimination, Harassment (Sexual or otherwise) and/or Inappropriate Employment Conduct and may sue the organization because of these. Employment Practices Liability is intended to provide protection when these suits are brought.
Summary of Product:
Insurable Costs Include:
- Legal Fees
- Damages (may include punitive damages )
- Defense costs including those associated with the federal Equal Employment Opportunity Commission and other administrative agencies
- Settlements
Insurable Events Include:
- Wrongful Termination including Constructive Discharge
- Sexual Harassment Allegations
- “Hostile” Work Environment Allegations
- Failure to hire, promote or demotion
- Denial of “Career Opportunity”
- Allegations of Retaliation by an employer against Whistleblowers
- Third Party Liability (claims brought by customers, clients or other non-employees as a result of Discrimination and/or Sexual Harassment)
- Class Action Events
Who is covered by EPL Policies?
- Company and its subsidiaries
- Directors, Officers Trustees and other executives
- Employees, including voluntary, seasonal, temporary and leased employees*, and independent contractors*
*(solely while acting in the course of employment for the policyholder)
You can call us at (818) 541-7900 or email us at info@mcpheeassociates.com