Employment Practices Liability Insurance

Employment Practices Liability is an area of  US 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.

Employment practices liability insurance ( EPL insurance ), 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 forefront as private employee data is stored electronically. This is not always covered under an EPL insurance policy, but the insurance industry has responded by offering cyber liability and network security policies.