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For example, employers liability insurance does not cover: Criminal acts. Intentional injuries. Discrimination.
While professional liability policies provide broad coverage for errors and omissions, they also contain common exclusions that may limit coverage under certain circumstances. Just a few of the more common exclusions include those for intentional or dishonest acts, bodily injury, and property damage.
The most common EPLI claims include failure to hire or promote based on protected classes, discrimination based on age, race, and gender, retaliation, harassment, and wrongful termination.
Liability insurance provides protection against claims resulting from injuries and damage to people and/or property. Liability insurance covers legal costs and payouts for which the insured party would be found liable. Provisions not covered include Intentional damage, contractual liabilities, and criminal prosecution.
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