Employment Practices Liability

Employment Practices Liability

Other Professional Coverages:


  • Employers with 100 employees or less
  • Non-standard risk focus: newly formed, employers in hard to place SIC codes
  • Will write Auto Dealers, Restaurants & Bars, Manufacturers, and Law Firms
  • Medical Offices


  • Limits Available: Up to $1M per claim
  • Minimum Premium: $2,500
  • Duty to Defend
  • Full Prior Acts by Default
  • Worldwide coverage (Suit must be brought in the U.S.)
  • 90 days to report a claim after the policy period
  • 100% Defense Cost allocation
  • Automatic coverage for Subsidiaries (up to 35% of Employees created or acquired during the policy period)
  • 80/20 settlement clause (hammer/cooperation clause)
  • Damages include punitive or exemplary damages up to the Limit of Liability, where insurable
  • Broad definition of a Claim
  • Coverage for claims brought by current and former employees and applicants
  • Base form includes 3rd Party
  • Coverage extends to the entity, its subsidiaries, employees, D&O’s, and executives
  • Carve-back for retaliation for all exclusions
  • Definition of an Employee includes FT, PT, seasonal, temporary, interns and volunteers
  • IC’s included as Insured Persons
  • Severability of all exclusions
  • No fraud exclusion or intentional acts exclusion
  • Policy is primary except as expressly stated otherwise
  • Non-cancelable by insurer except for nonpayment of premium


  • Wage & Hour Defense Costs - $100K sublimit
  • Employee Privacy Coverage - $50K sublimit
  • IRCA Investigation Defense - $50K sublimit
  • Workplace Violence - $50K sublimit
  • Defense Outside
  • Full Non-Rescindable
  • State Specific Deductible

Applications & Supplements

| a Berkley Company