Our "A++" rated carrier has crafted the following coverage for claims of wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

Ineligible Employment Practices Liability
Please note we cannot offer coverage to the following:
  • Over 500 employees (part time and seasonal count as half an employee)
  • More than two employment practices claims or circumstances in the last five years
  • Adult entertainment, agriculture, aviation, bars/taverns, casinos, coal mining, schools, construction companies and hospitals
  • Risks located in LA or WV

Available Coverage for Employment Practices Liability
  • Fair Labor Standards Act (FLSA) - $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
  • Defense and settlement provision (Hammer Clause) softened to cover 75 percent of defense costs and loss after insured’s final refusal to consent to settle a claim
  • Defense outside the limit up to 200 employees if a $500,000 limit or higher is chosen (does not apply to violations of FLSA)
  • Full Prior Acts coverage for claim-free accounts for most states and classes
  • Punitive damages with most favorable venue wording included in the definition of loss (available in most jurisdictions)
  • Front and back pay included in the definition of loss
  • “For” wording applies to bodily injury/property damage exclusion
  • Wrongful Act definition expanded to included coverage for the negligent violation of the Uniformed Services Employment and Reemployment Rights Act (USERRA)
  • Independent contractors are included in the definition of employee Modified severability Spousal liability extended to domestic partners
  • Final adjudication wording for fraud exclusion
  • Defense costs coverage for breach of express employment contract
  • Retaliation carve backs for many exclusions
  • Defense costs coverage for claims involving the modification of real property