Underwriting

Employment Practices Liability

The Employment Practices Liability coverage is available as an endorsement to either the Excess Liability or Directors & Officers Liability policy.

Covers the corporation, directors, officers and employees. Entity coverage included in the Excess Liability policy, covered by request in the Directors & Officers Liability policy.

Separate limit of liability provided by endorsement, up to the limit of the Excess Liability policy. This is an aggregated limit that does not erode the general policy aggregate (Excess Liability).

Limit of liability is part of the limit as an endorsement to the Directors & Officers Liability policy.

Provides wrongful employment practice coverage for discrimination, sexual harassment, and wrongful termination.

Discrimination includes failure or refusal to hire, failure to promote, termination or demotion, and disparate treatment.

Definition of sexual harassment includes advances, favors, verbal or physical conduct of sexual nature involving condition or basis of employment, interference with work performance, and creating an intimidating, hostile or offensive work environment.

Wrongful termination and failure to promote includes termination, demotion, failure to employ or promote, deprivation of career opportunity, and breach of implied employment contract.

Intentional acts exclusion deleted in respect to EPLI endorsement.

No back pay exclusion. Front pay covered in certain circumstances.

Non-employment discrimination and sexual harassment coverage under Excess Liability policy.

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