Employment Practices Liability

Question 1

What are the three primary sources of employment related claims?

Answer 1

Violation of statutes
Workplace torts
Breach of contract

Question 2

What are some examples of wrongful acts covered by an EPLI policy?

Answer 2

Discrimination
Harassment
Wrongful Termination
Retaliation

Question 3

What are the two types of sexual harassment?

Answer 3

Quid pro quo sexual harassment - unwelcome sexual conduct used as basis for employment decisions affecting such individual

Hostile environment - unwelcome sexual conduct interfering with an individuals job performance or creating a bad work environment

Question 4

What is a third party wrongful act?

Answer 4

Any EPLI related claim made by non-employees (usually some sort of harassment) against the insured (including their employees)

Question 5

What are the main exclusions in an EPLI policy?

Answer 5

Criminal, Fraudulent, or Malicious Acts
BI/PD
Contractual Liability
Work Comp
Violation of Certain laws (OSHA, ERISA, NLRA)
Wage and Hour claims (not paying employees what they are owed)
ADA compliance
Breach of written employment contract
Biometrics