It depends on how your form defines a claimant. Many EPLI forms name employees, former employees, applicants, and interns, and some reach contractors only by endorsement rather than in the base form. The exposure exists either way, because California’s harassment protections extend to a contractor providing services and not only to a payroll employee. Classification is the other half of it, since a worker treated as a contractor may later be found to be an employee. Check the definitions page of your own policy, and we can review it with you.
Related FAQs
Yes, certain claims can come from applicants. EPLI may respond depending on the allegation.
Good practices reduce risk but do not prevent claims from being filed. Defense alone can be costly, which is why many careful employers carry it.
Sometimes the defense, almost never the wages. Some carriers exclude wage and hour claims outright. Others add an endorsement with a sublimit that pays defense costs only, which stops ...
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