Employment Practices Liability Insurance is an area of United States law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.
Most commonly, employment practices liability deals with laws and protections brought under Title VII of the Civil Rights Act of 1964, the ADA (Americans with Disabilities Act) of 1990, the Civil Rights Act of 1991, ADEA (Age Discrimination in Employment Act) of 1967, and Family and Medical Leave Act (FMLA). The Equal Opportunity Employment Commission (EEOC) interprets and enforces these laws.
A growing product on the insurance markets is employment practices liability insurance (EPL), a type of policy that business owners can buy to protect their organizations against employee suits for rights protected under acts above. More recently, with the expansion of privacy law(s), employee privacy concerns have come to the fore as private employee data is stored electronically. This is not always covered under an EPL policy, but the insurance industry has responded by offering cyber liability and network security policies, which are also available through a carrier of choice with Brown & Brown of Florida, Inc.
For a detailed description of our other types of business coverage, click on the links below:
- Boiler & Machinery
- Builder’s Risk
- Business / Commercial General Liability Coverages
- Commercial Automobile Coverages
- Commercial Crime Coverages
- Commercial Property Coverages
- Directors & Officers Liability
- Employment Practices
- Fiduciary Liability
- Garage Liability
- Inland Marine Coverages
- Liquor Liability
- Professional Liability
- Umbrella Liability Coverages
- Workers' Compensation