Coverage for Employment Practices Liability ( EPLI )
Employment Practices Liability insurance coverage has become a common endorsement to a Directors & Officers insurance policy for
corporations. EPLI coverage typically protects directors, officers, employees and/or the company against employment related claims
brought by employees. Over 50% of D & O claims are employment practices related.
EPLI coverage is typically written on a claims-made basis. Which means it covers a claim only if the incident and the filing of the claim
occur while the insurance policy is in force and during the retroactive period or tail period of coverage offered by the specific policy.
Because employment claims are usually made months or years after the incident in question, an employer could be vulnerable if the
insurance coverage was dropped or if tail coverage wasn't purchased.
Depending on the size of the company, Employment Practices Liability insurance coverage can be offered as an endorsement to a
Business Owner's Policy (BOP), a General Liability Policy (GL), or a stand alone insurance policy can be written in conjunction with a
Business Owner's Insurance policy.
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