Employment Practices Liability Insurance (EPLI)
AIU’s EPLI is a insurance product designed to protect businesses from employment practices liability exposure. It is inexpensive, comprehensive and provides free risk and employee management services previously available only to larger companies.
EPLI Coverage
- Coverage for all employees including full-time, part-time, seasonal, temporary, volunteers and dedicated independent contractors
- Claims Made and Reported Form
- Definition of an Insured Event Includes
- Discrimination
- Sexual harassment
- Wrongful termination/demotion/discipline
- Failure to hire/promote/fire/demote
- Wrongful infliction of emotional distress
- False imprisonment/detention, malicious prosecution
- Libel, slander, defamation of character, invasion of privacy
- Standard and Enhanced Coverage Options
- Enhanced Version Includes Inappropriate Third Party Conduct and Punitive Damages
Insurance Product Advantages
- Automatically added on Class Qualified Policies
- Straightforward Underwriting Rules
- Competitive Pricing
- No Minimum Premium
- Dedicated Claims Handling
- Personal contact within 24-48 hours of a claim notification
- When we control defense, the costs are 35% less than when a policyholder selects its own defense counsel
- Risk Management website for agents and insureds
- Self-Insured Retention reduced by 50% for termination/demotion claims if prior consultation of EPL Hotline or approved Labor Law Attorney
Employment Practices Support Tools
- Online training on preventing sexual harassment that meets the legal requirements of CA, MN, ME and HI
- Additional online training on employee terminations and preventing employee discrimination
- Information on compliance with wage and hour laws
- Customizable employment policies and procedures available in English and Spanish
- Example Employee Handbooks
- HR Policies
- Procedure Manuals
- FAQs
- These services are not compulsory but are recommended and kept up-to-date should you choose to use them
EPLI Submission Requirements
AmTrust Workplace is automatically added to bound commercial package policies in eligible classes. Insureds can opt-out of the coverage if desired.AmTrust Workplace is not automatically added to policies in the state of Illinois. The insured must get a quote for the coverage and opt-in to receive it.
EPLI Preferred & Excluded Classes
Workplace is offered to:
- Contractors
- Doctor’s Offices
- Hotels
- Law Offices
- Manufacturers
- Restaurants
- Retail Establishments
- Wholesalers
Workplace is not offered to:
- Financial service organizations
- Motion picture production offices
- Radio/TV stations
- Sales organizations
Employment Practices Support Tools
- Online training on preventing sexual harassment that meets the legal requirements of CA, MN, ME and HI
- Additional online training on employee terminations and preventing employee discrimination
- Information on compliance with wage and hour laws
- Customizable employment policies and procedures available in English and Spanish
- Example Employee Handbooks
- HR Policies
- Procedure Manuals
- FAQs
- These services are not compulsory but are recommended and kept up-to-date should you choose to use them
