Wrap+® Employment Practices Liability

  • NOTE for the states of HI, NY, and VT:
    • click here to view applicable coverage applications
    • click here to view applicable sample policy forms for private companies
    • click here to view applicable sample policy forms for non-profit companies 

 For all other states, see below for additional information on this product

Coverage Applications

Policy Forms

Coverage Description

Coverage for defense costs and damages related to various employment-related claims, including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation deriving from the employer-employee relationship.

New Product Features

  • Expanded coverage and broad definitions
  • Broad definition of wrongful employment practice includes coverage for workplace harassment, discrimination, retaliation, breach of employment agreement, wrongful termination, violation of the FMLA, invasion of privacy and failure to create or enforce adequate employment policies and procedures
  • Expanded definition of discrimination covers any claim based on violation of employment discrimination law or disparate treatment
  • Coverage for damages measured by the value of stock options or other employee benefits as well as liquidated damages awarded under the Age Discrimination in Employment Act and the Equal Pay Act
  • Coverage for claims brought by independent contractors, leased employees and volunteers
    Punitive damages covered if insurable under the applicable law most favorable on the issue of insurability
  • Worldwide coverage
  • Noncancellable except for nonpayment of premium
  • Third Party coverage available to qualified insureds

Liberal Settlement Provisions

  • 10% reduction in retention if insured accepts first settlement offer
  • Softened settlement clause provides insured with coverage for 70% of damages and defense expenses in excess of settlement offer rejected by insured
  • Reimbursement option (select your own counsel) available to qualified insureds

Other Product Features

  • Primary or excess
  • Duty to defend
  • Prior acts coverage/No retroactive date
  • No coinsurance required
  • Special Features

Risk management services 

In addition to offering effective employment practices liability insurance, access to Risk Management PLUS+ Online®   is included with the coverage.  This comprehensive, cutting-edge risk management program delivered via the Internet helps decrease exposure to employment related claims by providing loss prevention tools, risk management resources, workplace information and training to our EPL policyholders.


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Travelers Casualty and Surety Company of America and its property casualty affiliates.
One Tower Square Hartford, CT 06183

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

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Innovative Risk Management

Included with Travelers' coverage, is access to our web-based loss control program, Risk Management PLUS+ Online®.

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