Employment Practices Liability Updates: Policy Enhancements and Rate Changes

Our Employment Practices Liability (EPL) product recently received a makeover. Revisions include:

Third-party coverage endorsements have been amended to include any harassment, not just coverage for sexual harassment. Policy language providing third-party coverage also includes coverage for discrimination. Some restrictions apply for certain natures of business and in the state of Massachusetts.
Third-party coverage given on Financial Institution classes of business, including insurance brokers, now also includes discrimination and harassment. The coverage is subject to a discriminatory lending exclusion.
We’re adding our “EPL Enhanced Elite” endorsement to our standalone EPL accounts. This endorsement has many enhancements, including the removal of the “hammer” clause and 100% defense allocation.
More competitive new business rates for many risks in Arizona, Illinois, Kentucky, Mississippi, Nevada and Texas.
Online quotes will now offer coverage by endorsement for independent contractors as Insureds when indemnified by the Insured.