What type of claims does employment practices liability insurance specifically cover?

Employment practices liability insurance (EPLI) is designed to protect employers against claims made by employees, former employees, or potential employees regarding wrongful employment practices. This type of insurance specifically covers various allegations such as discrimination, wrongful termination, harassment, and retaliation.

By focusing on claims alleging wrongful employment practices, EPLI addresses issues that arise within the workplace related to employment relationships. This insurance is crucial for safeguarding organizations from potentially costly litigation and settlements associated with employment-related disputes.

Other types of claims, such as property damage claims, equipment breakdown, or claims from excess line policies, fall outside the scope of EPLI. These claims often relate to tangible property or specific operational issues that do not pertain to employment practices, highlighting the unique focus of EPLI on workplace-related risks.