Employment Practices Liability Insurance

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 ...

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

Headcount is the base, then industry, claims history, retention, and limit. Two things carry extra weight for a California employer. Underwriters look closely at wage and hour practices, because ...

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 ...

No. The policy is not required, but the duties behind the claims are. Under the Fair Employment and Housing Act, the discrimination provisions reach employers with five or more ...

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 ...

Bodily injury, property damage, and professional errors sit elsewhere, usually on general liability or professional liability. The exclusion that matters most in California is wage and hour, which is ...