Employment Practices Liability (EPL) Insurance covers the insured company, its directors and officers, and its employees for liability arising from one of two exposures:
Wrongful termination -The main cause of loss is firing without good, make that very good reason. And, document everything thoroughly before you do fire. OR
Sexual harassment - Unwelcome sexual advances, as a condition of employment, are illegal.
The explosion of employment practices litigation in the 1980's led insurers to insert employment-related practices exclusions in Commercial General Liability, Workers' Compensation, Employers' Liability, Excess and Umbrella Liability Policies. Employers must buy separate EPL insurance, or retain the exposure.
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