kite Employment Practices Liability Insurance (EPLI)

Employers, regardless of size and nature of business, face a variety of employment practice exposures and can help protect themselves with Employment Practices Liability Insurance (EPLI). Claims may arise from purported wrongful termination, harassment, discrimination, retaliation, the failure to employ or promote employees, and other such allegations. SUM has several markets at our disposal to meet your clients’ needs. Coverage is available on admitted paper in certain states.

Coverage Highlights

  • Administrative Proceedings – up to $2500 for defense costs before the deductible applies to respond to administrative charges
  • Domestic Partner included in the Definition of Insured
  • Deductible Reduction now located in the policy wording
  • FLSA (Wage & Hour) Defense Sublimit Available
  • Family Medical Leave Act (FMLA)
  • Equal Pay Act (EPA)
  • Worker’s Adjustment & Retraining Notification (WARN)
  • Reorganization/Downsizing
  • Uniformed Services Employment & Reemployment Rights Act (USERRA)
  • Prior Acts

  • Third Party
  • Punitive and Exemplary (where insurable)
  • Liquidated Damages
  • Broad Discrimination, Harassment and Inappropriate
  • Employment Conduct Definitions
  • Broad reporting language for Incidents or Claims (complaints/demands) – both written or oral complaints
  • Pay on behalf/Duty to Defend Policy
  • Claims Made & Reported Policy

Additional Coverage Features

  • Additional Defense Outside the Limits


PLIS Short Form

Start the Application