This document provides a general overview of employment practices liability insurance (EPLI). EPLI covers employers against claims made by employees, former employees, or potential employees related to discrimination, harassment, wrongful termination, sexual harassment, retaliation, and wage/hour violations. Key aspects of EPLI coverage include the definition of wrongful act, wage/hour coverage, third party liability, defense costs, prior acts coverage, and punitive damages coverage. When evaluating a risk, underwriters may consider factors like the type of business, location, management experience, number of employees, management practices, claim history, and employee turnover. Many insurance companies offer HR tools to help clients like online training and free advice hotlines.

1. EPLI – EMPLOYMENT PRACTICES LIABILITY INSURANCE
BY BRANDON CLARKE, CIC.
PRESIDENT OF JOHN BAILEY COMPANY
This is a general presentation on EPLI coverage. Many factors are involved in assessing risk. Not all coverages discussed represent all types of insurance coverage needed, or factors in
determining exposure. Contact John BaileyCompany for more info (865)524-0785.

2. WHAT IS IT?
An insurance policy for an employer against claims made by employees, former
employees, or potential employees
It covers discrimination for:
• Age
• Sex
• Race
• Disability
• Etc…
WrongfulTermination of employment
Sexual harassment
Other employment related allegations

3. WHATTYPES OF CLAIMS MAY BE
COVERED?
Discrimination
Harassment
WrongfulTermination
Sexual Harassment
Retaliation
Wage and hour violations
Other Employment-related allegations

4. A FEW TYPES OF KEY COVERAGE
CONCERNS
Definition
of
Wrongful
Act
Wage and
Hour
Coverage
Third
Party
Liability
Defense
Costs
Full Prior
Acts
Punitive
Damages

5. SOME QUESTIONSTO ASK ABOUT EPLI
COVERAGE
Sufficient
Limits of
Coverage?
Third Party
Liability
Covered?
Wage and
Hour
Coverage?
Defense
Cost Inside
or Outside
Limits?

6. WHAT MAY AN UNDERWRITER LOOK FOR,
WHEN EVALUATING A RISK?
Type of
Business
Location
Management
Experience
Number of
Employees
Management
Practices
Claim History
Employee
turnover

7. MANY INSURANCE COMPANIES OFFER HR
TOOLSTO HELPTHE CLIENT
Online
training
Toll free
numbers with
free advice

8. (865)524-0785
BRANDON@JOHNBAILEYCO.COM
*This is a general presentation on EPLI coverage, many factors are determined in accessing risk. Not all coverages discussed represent all types of insurance coverage needed, or factors in
determining loss. Contact John BaileyCompany for more info.