Employment Practices – Commercial Liability
~~Employment Practices Liability Insurance (EPLI) has been created to provide coverage for claims made against an employer which arise from wrongful employment practices such as discrimination, sexual harassment, wrongful termination, harassment, defamation of character, etc. The coverage is for financial “damages” only that occurred to the third party as a result of the wrongful act. The cost of a company to defend itself with hiring an attorney are considered to be within limits, meaning that any legal costs arising to defend the claim will reduce the limit of insurance being provided by that amount.
However, some policies will provide for defense costs outside of limits.