EPL

Product Overview

Companies are not only challenged to combat frequent lawsuits from workers and new applicants, but they have to implement an entire operational structure with practices and mechanisms that need to be updated quickly to meet this new reality.

This is how, and without warning, companies may be sued for discrimination, unjustified dismissal, sexual harassment, a hostile work environment, or other similar actions. Such events are not exclusive to large corporations; on the contrary, these days, any company is prone to claims for wrongful employment acts.

Scope of coverage

Employment Practice Liability Insurance provides essential coverage for employers against the expenses that they are legally obliged to pay in lawsuits that can be introduced by an applicant to a job or employees that may claim discrimination, wrongful dismissal, hostile working environment or any other labor act described as unjustified.

The main coverage are:

• Discrimination or harassment coverage against a third party, based on age, gender, race, color, national origin, religion, creed, marital status, sexual orientation or preference, gender identity or expression, genetic makeup testing, pregnancy, HIV or other health status, disability, or other protected statuses under federal, state, or local law
• Coverage for the spouse or permanent partner
• Defense cost and legal fees
• Extension of validity during the investigation period of a covered event
• Coverage for punitive damages

What sets us apart

We are prepared to provide you a solution.

At Liberty, we are aware of the dynamics that govern our industry. Quick answers and efficient solutions are critical to respond to our clients’ needs. A highly qualified team with business capabilities allows coverage for a broad spectrum of activities and contracts; in addition to the support and experience of Liberty Mutual that for more than 100 years has been ranked as an undisputed leader of the industry.