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Employment Practices Liability

In today’s world, employees are a principal strength for most companies, yet they are also one of the greatest sources of risk. The exposure to claims made by a single employee or a group of employees for employment related issues impacts many, if not all, companies.

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Employment practices liability (EPL) insurance covers claims alleging employment practice violations. The coverage provides protection for the company, its employees and directors and officers. EPL can also extend to claims brought by third parties.

EPL insurance includes coverage for:

  • Defence costs
  • Legal representation costs at an official investigation
  • Punitive damages (for North American exposure)
  • Third party coverage
  • Assistance costs/defence costs relating to OSHA citation (for North American exposure)
  • Cover for immigration practices claims (for North American exposure)
  • Mental anguish and emotional distress
  • Wage and hour defence costs cover (for North American exposure)

EPL insurance also provides access to employment-related risk control services.

Who should consider buying this insurance?

Any organization that has employees should consider purchasing EPL insurance.

In recent years, federal, state and local employment laws have been changing, making EPL insurance more important than ever. Today, employees are more aware of their rights and more willing to come forward with their claims. EPL insurance should be high on any organization's list of risk-management priorities.

Wage and Hour Liability

Wage and hour litigation under the Fair Labor Standards Act (FLSA) and state law equivalents has increased in the last 15 years, outpacing EPL claims.

Wage and hour insurance provides coverage for claims alleging violations of the FLSA and state law equivalents including but not limited to:

  • Misclassification of employees
  • Failure to pay overtime
  • Failure to pay for off-the-clock work
  • Failure to pay minimum wage
  • Non-compliance with meal and rest period requirements
  • Failure to provide accurate information on pay statements

Willis Towers Watson is committed to improving our clients’ abilities to succeed by providing solutions to risks associated with employment practices and wage and hour liability.

  • Embedded analytics
  • Industry and segment specialization in broking
  • Dedicated claims and legal group
  • Routine thought and product leadership


Employment Practices Quantified

This first of its kind analytical tool quantifies any combination of Employment Practices Liability (EPL), Wage & Hour (W&H) and private or nonprofit Directors & Officers (D&O) loss potential.

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