Employment Practices Liability Insurance (EPL)

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Text, Travelers. Umbrella logo. Employment practices liability coverage.

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SPEAKER: In your business, you make decisions every day-- hiring, firing, compensation, duties, 
promotions, work, environment, and so many more. Nearly every one of your decisions affects your 
employees. And many outcomes could lead to a claim by employees or governmental regulators for 
wrongful employment practices.

These claims can disrupt your business, hurt employee morale, damage your reputation, and cost your 
business financially, even before going to court. And once you're there, the stats are not on your side. 
Winning a case is filled with uncertainty. 50% of plaintiffs come out on top when EPL claims go to trial. 
And with the EEOC, approximately 36 charges are filed every working hour.

Let's look at a typical case. A graphic designer resigned from her position at a company, claiming she 
was subject to sexual harassment and gender discrimination by four managers. The company performed 
an investigation and found a long series of sexually explicit emails, jokes, and comments shared in the 
workplace. It cost the company $280,000, including $50,000 in defense costs, to settle the claim.

In another case, a man who delivered propane was injured on the job. While he was on leave, his 
employer terminated his employment, citing a drop in demand for deliveries. Two months after the 
termination, the insured hired new staff for propane deliveries. The man filed a retaliation claim, alleging 
he was terminated for filing a worker's compensation claim. Resolution of the retaliation claim cost 
$45,000, including defense costs of $4,000.

With risks like these and those yet to be discovered, you need an insurance company that can help 
protect and prepare you for what may come your way. That's why employment practices liability coverage 
isn't a maybe, but a must have. Talk to your independent agent to make sure you have the right coverage 
in place to help protect your business.

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Travelers Casualty and Surety Company of America and its property casualty affiliates. One Tower 
Square, Hartford, CT 06183 This material does not amend, otherwise affect, the provisions of any 
insurance policy issued by Travelers. It is not a representation that coverage does or does not exist for 
any particular claim or loss under any such policy. Coverage depends on the facts and circumstances 
involved in the claim or loss, all applicable policy provisions, and any applicable law.