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.

Coverage varies. Some policies offer limited wage-and-hour defense. We recommend you review the specifics with us.

No. Workers’ comp covers workplace injuries. EPLI covers employment practices claims like discrimination, harassment, and wrongful termination.

Many do. Volunteer directors can still face personal claims, and D&O is often what makes strong candidates comfortable serving.

Both, depending on the claim and how the policy is structured. We can walk you through the pieces.

No. Private companies, startups, and nonprofits face management claims too, and their leaders often carry personal exposure.

D&O covers management and governance decisions. EPLI covers employment-related claims like wrongful termination and discrimination. Some programs combine them.

Usually not by default. We can review whether that layer is available and appropriate for you.

It generally follows the terms of your underlying policies and does not add new types of coverage, such as professional liability, unless specifically arranged.