Employment Practices Liability Insurance

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Jury’s In: If You Have Employees, Consider This Coverage

According to Jury Award Trends and Statistics, published by Westlaw, companies with as few as 100 employees should expect an employment practices claim at least once every three years. Employment Practices Liability Insurance can often be added onto the Business Owner's Policy or can be purchased as a stand-alone policy.

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Fundamental Coverages in Most Employment Practices Liability Policies

Coverage typically provides reimbursement for the cost of defending your lawsuit, settlement agreements, and court judgments regardless of which party prevails. The policy covers all employees including officers and directors.1

Typical employee claims include:
  • Discrimination
  • Wrongful discipline
  • Sexual harassment
  • Wrongful termination
  • Breach of employment contract
  • Failure to promote or employ
  • Negligent evaluation
  • Infliction of emotional distress
  • Benefits plan mismanagement
  • Career opportunity deprivation

Many companies employ a trained HR manager to mitigate risk, however, most insurance carriers will provide best practice materials to the insured at no charge.

It’s important to discuss your needs with a Workers Insurance agent before purchasing Employment Practices Liability insurance so they can help you determine what you need.


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1Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a CUSO of Workers Credit Union are: NOT A DEPOSIT NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.