Employment Practices Liability

Employment Practices Liability

Other Professional Coverages:


  • Employers with 250 employees or less
  • Non-standard risk focus - newly formed, employers in hard to place SIC codes
  • Will write auto dealers, restaurants & bars, manufacturers, and law firms


  • Limits available: up to $1M per claim
  • $2,500 minimum premium
  • Duty to Defend
  • Full prior acts available
  • Automatic coverage for subsidiaries
  • Worldwide coverage (suit must be brought in the U.S.)
  • 90 days to report a claim after the policy period
  • 100% defense cost allocation
  • Automatic coverage for subsidiaries (up to 35% of employees created or acquired during the policy period)
  • 80/20 settlement clause (hammer/cooperation clause)
  • Damages include punitive or exemplary damages up to the limit of liability
  • Broad definition of a claim
  • Coverage of claims brought by current and former employees and applicants
  • Base form includes 3rd Party
  • Coverage extends to the entity, its subsidiaries, employees, D&O’s, and executives
  • Carve-back for retaliation for all exclusions
  • Definition of an employee includes full time, part time, seasonal, temporary, interns and volunteers
  • Independent contractors included as insured persons
  • Severability of all exclusions
  • No fraud exclusion or intentional acts exclusion
  • Policy is primary except as expressly stated otherwise
  • Non-cancelable by insurer except for nonpayment of premium


  • Wage & hour defense costs - $100K sublimit
  • Employee privacy coverage - $50K sublimit
  • IRCA investigation defense - $50K sublimit
  • Workplace violence - $50K sublimit
  • Defense outside
  • Full non-rescindable
  • State specific deductible