C32814NY EP Portfolio (Employment Practices Liability) - NY application 2025

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Workers Compensation: Provides coverage for medical expenses, rehabilitation, and a portion of lost wages for injured employees. EPLI: Offers coverage for legal expenses, settlements, and judgments associated with employment-related lawsuits.
There are two key things an individual professional liability insurance policy does that an employers policy may not: An individual professional liability insurance policy like those NSO provides covers you as a nurse 24/7an employers policy only covers you when youre on the clock.
Common Employment Practices Liability Exclusions Bodily Injury. Criminal and Fraudulent Acts. Punitive or Exemplary Damages. Strikes and Lockouts. Violation of Employment Laws and Other Regulations. Wage and Hour Claims. Workers Compensation Statutes.
Employment practices liability is an area of United States labor 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.
Wrongful termination. Other EPLI claims examples covered are a breach of an employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of a career opportunity, wrongful infliction of emotional distress and mismanagement of employee benefit plans.
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What is employment practices liability insurance (EPLI)? Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers (PDF) against claims made by employees alleging: Discrimination (based on sex, race, age or disability, for example) Wrongful termination.