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Employment Practices Liability

Employment regulations are constantly changing, and expanded employee protections continue to evolve.

AIG’s employment practices liability (EPL) program offers coverage against discrimination, harassment, wrongful retaliation, and additional named violations. Policyholders have access to several risk management services to help minimize liability risk.

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Benefits of Employment Practices Liability Insurance

Above and Beyond Claims

Our global claims team offers dedicated resources to ensure consistency of claims handling, effective account stewardship, and winning claims strategies. And with AIG’s financial capacity, customers can rely on long-term stability.

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Loss Control and Mitigation Resources

EPL Pak Premier is a suite of services that combine online training, loss control, and risk management tools to help you manage employment practices risks. These resources provide EPL policyholders with access to expertise and materials from two of the nation’s foremost employment and labor law firms, Littler Mendelson, P.C. and Jackson Lewis LLP.

Product Details

Employment Practices Liability

Policy Amounts

$25 million available on the primary policy

Additional limits may be available on an excess basis

Available Coverage

The EPL policy provides coverage for federal discrimination laws and other employment violations brought against the company, executives, and employees

Third-party coverage for discrimination and harassment is built into the policy form

Available on a combined basis on the private company directors and officers form

Additional Details

Contains a claims savings clause for those insureds who have had continuous EPL coverage with AIG; Insurer consent is not required for full settlements within the retention; $25,ooo in E-Discovery consulting services and sub-limits for crisis loss; provides coverage for employment violations over the internet by the company’s employees, whether or not in their capacity as such

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Wage and Hour

Policy Amounts

Up to $25 million limits available in the U.S. and Bermuda for public and private companies on a primary and excess basis

Available Coverage

Provides coverage for local, state, and federal pay protections afforded to employees and other individuals

Additional Details

Can be offered on a stand-alone basis or may be shared with an existing AIG EPL policy

The policy can be purchased on a stand-alone basis even if the company does not purchase their EPL policy from AIG

Reduce Your Litigation Risks

Live Life on the WHEDGESM

Learn how our Wage and Hour product protects you from ever-changing federal and state employment guidelines.

Additional Resources