EPLI Coverage in Minnesota

For employers concerned about employment-related claims, insurance needs often extend beyond a basic policy. Important exposures can include wrongful termination, discrimination, harassment, retaliation, failure to promote, and defense costs, making it important to match the policy to the actual risk.

Coverage can be tailored to the individual situation. Maverick Risk Partners can help clients in Minnesota compare available options from multiple insurance companies and review differences in coverage, limits, deductibles, and eligibility.

Why Consider EPLI Coverage?

Even a small employer can face a costly employment claim. Allegations may come from current employees, former employees, or job applicants, and legal defense expenses can accumulate even when the business disputes the allegations.

Insurance can help transfer some of these financial risks, but no policy covers every situation. The appropriate combination of coverage depends on the specific details of the risk and the insurance companies willing to consider it.

EPLI Coverage Coverage Options

The coverage that may be appropriate varies by client. Depending on the situation, an insurance program may include several different policies or endorsements.

Employment Practices Liability Insurance

Employment practices liability insurance may help with covered claims involving allegations such as wrongful termination, discrimination, harassment, or retaliation.

Third-Party EPLI

Some policies may extend employment-practices protection to certain claims made by customers, vendors, or other third parties, subject to policy terms.

Defense Costs

EPLI may help with eligible defense expenses for covered employment claims. Whether defense costs reduce the available liability limit depends on the policy.

Directors & Officers Liability Insurance

Directors and officers liability insurance may help protect board members, officers, and the organization against certain claims alleging wrongful acts in the management of the organization.

EPLI Coverage FAQs

What types of claims can EPLI cover?

Employment practices liability may help with certain covered allegations involving discrimination, harassment, retaliation, wrongful termination, and other employment-related acts.

Does EPLI cover wage-and-hour lawsuits?

Many EPLI policies exclude or significantly limit wage-and-hour claims, although limited defense-cost coverage may sometimes be available.

Are claims by job applicants covered?

Some policies can cover certain allegations made by applicants, employees, or former employees, depending on the wording.

Does EPLI cover third-party harassment claims?

Third-party EPLI coverage may address certain allegations made by customers, vendors, or others, but it may require a specific endorsement.