Employment Practices Liability (EPLI)
Definition. EPLI covers claims by employees for wrongful termination, discrimination, harassment, or retaliation.
Also known as: Employment Practices Liability Insurance, EPL
Increasingly common as employment litigation grows. EPLI is separate from Workers Comp (which covers physical injury) and from D&O (which covers governance disputes). Standard limits $250K-$1M.
Example
A terminated employee sues for age discrimination. EPLI pays defense + settlement.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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