Get Church Mutual Insurance Company Application For Employment Practices Liability Coverage Pdf Form

The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.

EPLI coverage is not the same as professional liability coverage, though they both protect your business in some way. Professional liability focuses on protecting individuals and companies from the costs of lawsuits and damages related to their professional advice and services.

Without EPLI, you could incur crippling expenses in court. Just imagine if you or your company was ever sued for something like racial discrimination, sexual harassment or wrongful termination. If the case ended up in court, you could incur hundreds of thousands of dollars in legal costs and attorney fees.

Keep in mind that, as a rule of thumb, workers' compensation insurance protects you from claims related to physical injuries and illnesses, and EPLI covers you when an employee claims their rights have been violated in some way.

Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation.

Our Certificate of Authority number from the National Association of Insurance Commissioners (NAIC) is 18767.

An EPLI policy usually doesn't cover criminal conduct or fines, civil fines, penalties, and punitive damages. EPLI also excludes coverage for claims covered by other insurance policies, including property damage and physical injury.

Historically, employment practices liability insurance (EPLI) hasn't covered Fair Labor Standards Act (FLSA) and similar state law claims, so employers shouldn't mistakenly assume they'll be reimbursed by EPLI for their wage and hour claims.