The short answer
General liability and BOP exclude employment claims. EPLI is a separate coverage (usually $1M/$1M limit) that pays defense and settlement for wrongful termination, discrimination, harassment, retaliation, and wage/hour claims. Cost: $500–$2,500/year for small employers. Third-party EPLI adds coverage for customer/vendor discrimination claims.
Frequently asked
- Does EPLI cover wage and hour class actions?
- Some policies include sub-limits ($100K–$250K); many exclude entirely. Read the wage/hour language.
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