Employment practices liability
Employee lawsuits alleging sexual harassment, discrimination, wrongful termination, retaliation and other employment-related issues are at an all-time high. Merit cases can cripple a smaller company or organization for years, or force it to cease operations all together. Even frivolous claims can weaken a healthy company, while harming a business’s reputation.
The Hanover's employment practices liability (EPL) solution helps protect against the financial damage of a claim or lawsuit from within a company or organization.
Our broad appetite and expertise enables us to write employee practices liability coverage for almost any company or organization of any size. We specialize in:
- Agriculture
- Business to business services
- Business and trade associations
- Charitable organizations
- Construction
- Food processing
- Foundations
- Manufacturing
- Mining
- Museums
- Natural resources
- Oil and gas
- Personal services
- Professional services
- Social services
- Software design and development
- Software as a service (SaaS)
- Tech manufacturing
- Transportation
- Vocational training
- Waste management
- Wholesale
Employees covered
Employees covered
- Committee members
- Directors and officers
- Full-time employees
- Leased and temporary employees
- Part-time employees
- Seasonal employees
- Trustees
- Volunteers
Key coverages
Key coverages
- Broad coverage for an array of allegations including:
- Constructive discharge
- Discrimination
- Failure to hire
- Harassment
- Negligent supervision
- Retaliation
- Wrongful termination
- Duty to defend
- EEOC (or state equivalent) proceedings coverage
- Independent contractors
- Monetary and non-monetary relief
- Personal injury
- Punitive or exemplary damages up to the limit of liability, where insurable
- Retentions as low $1,000
- Third-party liability
Additional options
Additional options
- Illegal alien investigative proceeding sub-limit
- Wage and hour (FLSA) costs of defense sub-limit
Our Hanover Employment Practices Liability Advantage solution protects against the unique risks faced by your clients. Unlock the Hanover advantage.
More options for more businesses
Available as part of a convenient modular management liability policy or as a standalone policy, to serve a broad range of private companies and nonprofits
Online quote and issuance
Fast and easy to secure standalone management liability policies for small businesses, via TAP Sales
Risk management resources
Tools and services including an employment practices liability hotline, e-learning courses, background checks and employment screening services, and more
Dedicated claims professionals
Team of licensed attorneys and paralegals well-versed in management liability claims who work to resolve claims expediently
Customer service center
Services both standard and specialty lines, including management liability, to help agencies improve operational efficiency
Trusted partner
We offer the support and financial strength of an "A"-rated insurance carrier
Our broad appetite and expertise enables us to write employee practices liability coverage for almost any company or organization of any size. We specialize in:
- Agriculture
- Business to business services
- Business and trade associations
- Charitable organizations
- Construction
- Food processing
- Foundations
- Manufacturing
- Mining
- Museums
- Natural resources
- Oil and gas
- Personal services
- Professional services
- Social services
- Software design and development
- Software as a service (SaaS)
- Tech manufacturing
- Transportation
- Vocational training
- Waste management
- Wholesale
Quote and issue online
You can issue a standalone EPL policy, or combine the EPL coverage part with other management liability coverage parts to create a modular solution. This is all backed by our expert underwriters, who can also assist with any risks that are outside of the eligibility guidelines below.
Management liability online quoting appetite
- Construction
- Cultural intuitions
- Manufacturing
- Personal and business services
- Professional associations
- Professional services
- Technology
- Wholesalers
Eligibility and availability
- No claims
- Up to $1M per coverage part available online (up to $5M with underwriter referral)
- Up to $50M in revenue for private companies
- Up to $10M in assets for nonprofit entities
- Nonprofits must be 501(c)(3) or 501(c)(6)
- Application required to issue
- Not available in AK or CA
Product resources
Resources for you
Marketing materials
Service companies claims scenarios
Manufacturers claims scenarios
Quote, bind and issue online
We offer flexible training options to help you better understand TAP Sales and all of our online systems and capabilities.
Resources for your customers
Our management liability risk management offerings include on-demand learning, partner offerings, risk bulletins and more.
Employment practices liability education and training
See all of our management liability resources
Customer tools
Let's start a conversation today
Contact a member of our team who can help you craft professional and executive lines coverage for your clients.
Matt Cohen
Regional Distribution Director
CO, KS, LA, MO, NM, OK, TX
303-819-7926
mcohen@hanover.com
Greg Ketay
Vice President, Distribution Management
AZ, CA, ID, MT, NV, OR, UT, WA, WY
630-760-3045
gketay@hanover.com
Adam Bennett
Regional Distribution Director
IA, IL, MN, ND, NE, SD, WI
952-484-8907
abennett@hanover.com
Neil Madison
Regional Distribution Director
DC, DE, MD, NJ, PA, VA, WV
667-314-2254
nmadison@hanover.com
Margaret Teta
Regional Distribution Director
CT, MA, ME, NH, NY, RI, VT
860-597-7967
mteta@hanover.com
Jon Fritinger
Regional Distribution Director
IN, KY, MI, OH
513-405-9634
jfritinger@hanover.com
Brion Burris
Regional Distribution Director
AL, AR, FL, GA, MS, NC, SC, TN
704-607-0983
bburris@hanover.com