Most of what underwriters ask about, California already requires. An employer with five or more employees must provide sexual harassment prevention training every two years, two hours for supervisors and one hour for everyone else, under Government Code 12950.1. A written harassment, discrimination, and retaliation policy is required at the same threshold under 2 CCR 11023. Government Code 12940(k) then imposes a duty to take all reasonable steps to prevent harassment, and a prompt, documented investigation is how that duty is met. Requirements stated here are current as of August 2026.
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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