Employment Practices Liability

Available as an addition to a Directors & Officers and/or Fiduciary Policy or as a separate policy, Employment Practice Liability protects your company by insuring the company, directors, officers and employees for actual or alleged wrongful acts such as:

•   Age, sex, racial, or religious discrimination
•   Wrongful deprivation of a career opportunity
•   Wrongful failure to promote
•   Sexual harassment and other employment-related allegations

Policy Features:

•   Third party cover–prior acts and no class action exclusion
•   Punitive damages–most favorable venue cover *
•   Defense outside the limits *
•   Broad definition of Insured
•   Broad definition of Loss
•   Broad definition of Claim
•   20% automatic acquisition threshold
•   Full prior acts cover
•   Only cancelable by underwriters for non-payment of premium
•   Bi-lateral extended reporting period
•   No intentional acts exclusion
•   No exclusion for mental anguish or emotional distress

* Additional premium applies to these coverages.