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  • Employment Practices Liability

Employment Practices Liability+SM Insurance

In today's increasingly complex and litigious environment, even the most conscientious business owners can find themselves in a situation where an employee feels his or her legal rights have been violated. It can happen in any industry or business size. Even if you are not found liable, the costs to defend an employment practices claim can be financially overwhelming.

Defending your business against an employment practices claim can cost you time, money, and emotional distress. Travelers Employment Practices Liability+ with Identity Fraud Expense Reimbursement (EPL+) is a smart choice you can make to protect your business.

Employment Practices Liability+

Available through our Travelers BOP (Business Owner's Policy), EPL+ can help protect your business in the event of a claim alleging wrongful employment practices, such as:

  • Discrimination (including age, race, gender and other violations of employment discrimination law) 
  • Sexual harassment 
  • Retaliation 
  • Wrongful termination

EPL+ is designed to help cover your legal defense expenses – regardless of whether you are found to be at fault – as well as damages awarded to an employee, up to the EPL+ coverage limit.

Includes These Valuable Features:

Exclusive on-line loss prevention program with Risk Management PLUS+ Online®.

  • Provides training for managers on employment practices related issues, model workplace policies and sample forms.
  • Access to EPL+ Help Line supported by attorneys specializing in employment practice issues.1

Identity Fraud Expense Reimbursement

  • Risk management guidance to help prevent identity fraud.
  • Lets you offer employees some protection for out-of-pocket expenses needed to restore their identity including:
    • Lost wages
    • Attorneys’ fees
    • Day care and elder care costs

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Combines property and liability insurance to provide a bundled, affordable solution that meets the general needs of your small business.

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Unfortunately, mistakes can happen. Protect your business from liability risks resulting from professional services, advice or recommendations provided by your business.

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Flexible coverages such as Fidelity & Crime, Fiduciary Liability, Kidnap & Ransom, and Directors and Officers for your business.

Insights & Expertise

Top 5 Reasons Your Business Needs Coverage

Top 5 Reasons Your Business Needs Coverage

Employment related claims impact organizations of every size, in every industry.

Employment Practices Liability Coverage Scenarios

Employment Practices Liability Coverage Scenarios

If an employee feels wronged, will your business be alright?

Demystifying Management Liability

Demystifying Management Liability

Learn about the management liability risks that your business may be facing with this video series.

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Claim

Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.

1 Assistance from Jackson Lewis attorneys is not intended to replace your company's need to hire employment counsel to assist in making specific personnel decisions and in implementing policies and procedures.

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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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