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Specialized Employment Practices Liability

Specializing in complex classes and standard risks, AIG Companies' Employment Practices Liability Insurance provides a wide range of employment liability exposures. AIG Companies provide buyers with a broad array of employment practices liability products, including several special niche products for Professional firms, Alternative Staffing, Retail/Hospitality, Public Entities, and group or collective buyers. Product offerings for qualified risks range from “duty to defend” Deductible policies to high Self Insured Retention primary or excess insurance policies. The backbone of its product offerings is an unsurpassed service infrastructure consisting of a centralized claim staff with over 100 years of collective EPL claim handling experience. EPL claim specialists work collaboratively with our Insureds and provide flexibility in choice of defense counsel. AIG Companies' suite of free and optional Risk Management services provides buyers with state of the art tools and support to help minimize employment related risk. Experience, flexibility, collaboration, and commitment.

Features and Benefits Back To Top
  • Ability to write Primary or Excess coverage
  • Claim Reported form may be available for qualified high retention business
  • A “Duty to defend”/ “Pay on behalf of” contract
  • In many cases flexibility in choosing defense counsel
  • Coverage for acquired entities under certain circumstances
  • A broadened definition of “Employee” to include independent contractors (available by endorsement)
  • A generous definition of related “Workplace Torts”
  • Optional coverage for claims by non-employee third parties, such as discrimination claims filed by customers
 
Claims Back To Top

AIG & Lexington Insurance Company’s in-house team of employment practices liability claims specialists is among the most experienced in the business. In fact, Lexington’s employment practices liability (EPL) claims facility has been managing EPL claims since the very first EPL policies were issued more than a decade ago. Our dedicated EPL claims unit is comprised of highly skilled claim professionals and attorneys who work together in a centralized unit. As a result, insureds and brokers have just one place to call for immediate answers to claims questions and status updates. This concentration of EPL claim talent facilitates an easy exchange of information and insights to fine-tune strategies and advance the interests of EPL policyholders in claims. The EPL claim specialists handle over 20,000 claims each year ranging from simple administrative charges to complex multi-party class action suits. And, they have had significant success obtaining favorable findings and defense verdicts. Additional Highlights AIG & Lexington’s EPL claims facility also offers:

- Mutual selection of defense counsel 
- Claims specialists dedicated to particular accounts—so they develop deep knowledge of the particular concerns and loss histories of the policyholders they serve and build strong, productive relationships with insureds 
- Priority access to premier EPL defense attorneys at preferred rates helps insureds control legal expenses and overall claims costs while optimizing defense AIG & Lexington Insurance Company has been providing highly flexible protection for EPL risks for more than a decade.

Today, we offer especially broad coverage for all industries and specialized policies focused on industry-specific EPL risks. We also bring to the table exceptional risk management expertise and claims services that are fueled by unrivaled experience.

To report a claim please contact us:
Tel: 800-931-9546
Fax: 866-671-9288
E-mail: lexprofessionalliability@aig.com
Mail: Lexington Insurance Co.
100 Summer Street
Boston, MA 02110

To follow up on an existing claim:
Tel: 877-873-9972
E-mail: lexclaimstatus@aig.com

Risk Mgmt. Services Back To Top

Qualified Lexington EPL policyholders benefit from a portfolio of services that can be designed to improve employment practices and prevent employment-related liability losses. Services can include:

- The lexeplhelp.com risk management information resource & employee training tool.
- A toll-free employee hotline to facilitate reporting of employment complaints or violations.
- Best Workplace Practices Manuals that help make HR practices state-of-the-art.
- A full time, in-house EPL risk management consultant readily accessible to answer queries on employment liability issues.
- Employment practices audits to help insureds assess and improve current employment policies and procedures.
- A toll-free EPL risk management hotline to answer management questions regarding employment practices-related situations or exposures.
- National defense counsel coordinated by a leading law firm for insureds facing complex multiparty EPL litigation.
- Regional EPL seminars on current topics related to employment practices and liabilities.
- Dedicated in-house EPL claims staff to handle claims.

Applications and Forms Back To Top

The applications below are for the exclusive use of licensed surplus lines  insurance brokers. As a surplus lines insurer, Lexington Insurance Company does not accept applications from or provide quotes to individuals.

EPL Application (.pdf)

EPL Staff Select (.pdf)

Business Supplemental (.pdf)