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Wethersfield, Connecticut

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Employment Practices Liability Insurance (EPLI) covers losses that would not be covered by Directors & Officers (D&O) coverage or Comprehensive General Liability. EPLI is a very specialized kind of insurance, designed to protect your company in ways that are essential in today's litigious society.

Employment-related discrimination can include claims based on:

  • Race
  • Skin color
  • Sexual orientation
  • Marital status
  • Creed / religion
  • National origin
  • Gender
  • Age
  • Disability
  • Pregnancy
  • Military service

Wrongful Termination Claims

More than any other aspect of the employment relationship, the discharge of an employee has the potential to result in litigation. EPLI policies cover wrongful termination claims made by former employees.

Some policies also cover claims of “constructive discharge” by employees who claim that they could no longer tolerate the work environment and were compelled to resign or retire.

Discrimination Claims

EPLI policies can also cover claims by current, former, or prospective employees who charge that they were the victim of employment-related discrimination.

Discrimination can include any additional categories of discrimination against employees that would be included within the coverage afforded by a policy and might change the local, state, or federal laws that define discrimination in the workplace. Claims by employees who charge that they were discriminated against for exercising their rights under worker’s compensation, COBRA, or other similar laws can also be covered.

Sexual Harassment

Coverage for sexual harassment claims against your company, including claims against supervisors and fellow employees, can be included in an Employment Practices Liability Insurance policy. In addition, the policy can cover all categories of sexual harassment as currently defined by the Equal Employment Opportunity Commission.

Whistleblower Claims

EPLI policies can  cover claims by employees who charge that they were the subject of an adverse employment decision solely because they disclosed an unfair or illegal practice by the employer. This is one of the few policies to specifically cover whistleblower claims. Sometimes these matters are referred to as Section 132.

Wage & Hour Claims

The Fair Labor Standards Act sets the minimum wage and maximum hour/overtime requirements. The Wage and Hour Division of the Department of Labor manages the administration of the FLSA. You must have a specific type of EPLI policy to cover FSLA actions.

Other Employment-Related Claims

Libel, slander, or other defamation, invasion of privacy, mental anguish, infliction of emotional distress, loss of consortium, assault, battery, breach of contract, negligent hiring, supervision, promotion or retention in connection with any other employment-related claim can often be covered with an Employment Practices Liability Insurance policy.

Contact Olde Liberty Insurance today for a comprehensive insurance review and a no-obligation, customized quote from some of the most reputable carriers in the state of Connecticut.

CT Business Insurance

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We are committed to accurate quotes for insurance for businesses throughout the state of Connecticut! Submit your information via this online form, and we will follow up, typically within a few business days.
  • Reports will be ordered to properly classify and rate your policy. These reports may include information about your claims and driving history, insurance score, and may include information about current and former members of your household. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals, or extensions of this insurance. We may also obtain and use a credit-based insurance score. We may use a third party in connection with the development of the insurance score. State privacy laws require that you are notified that personal information may be collected from sources other than yourself. This will include a loss history report showing your personal insurance claims history. Such information, as well as other information collected, may be disclosed in circumstances to third parties without authorization. A right to access and correction exists with respect to all personal information and a written notice will be furnished to you upon request.

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