Employment Practices Liability (EPL)

FAQs

1. Tell me what type of allegations that might apply in Employment Practices litigation?
2. How vulnerable are small to medium sized firms like mine?
3. Do any EPL policies cover claims from their clients?

1- Tell me what type of allegations that might apply in Employment Practices litigation?

• Wrongful Termination
• Discrimination
• Sexual Harassment
• Workplace Harassment
• Retaliation
• Wrongful failure to promote
• Wrongful denial of training
• Wrongful failure to employ
• Wrongful discipline
• Wrongful evaluation
• Wrongful denial of seniority
• Wrongful deprivation of career opportunity
• Employment-related invasion of privacy
• Employment-related defamation
• Employment-related misrepresentation
• Employment-related infliction of emotional distress

2- How vulnerable are small to medium sized firms like mine?

Here are some current facts:

• The Equal Employment Opportunity Commission (EEOC) recorded nearly 95,000 charges during 2008.
• Firms with less than 100 employees are sued most often for federal discrimination claims.
• The average cost of an EEOC lawsuit surpassed $279,000 in 2008.

3- Do any EPL policies cover claims from their clients?

Yes, some EPL policies can be expanded to protect your firm from discrimination and sexual harassment claims by clients, vendors, or other “non-employee” plaintiffs.