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 

Learn more

 

Risk management resources

Tools and services including an employment practices liability hotline, e-learning courses, background checks and employment screening services, and more

Learn 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

Appetite

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

Our online quoting and issuing platform, TAP Sales, allows you to quickly quote, bind and issue an employment practices policy with limits up to $1M. Our streamlined process allows you to customize your policy with just a few clicks.

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

Quote now

 

Product resources

 

 

Employment practices liability overview

This brochure summarizes the coverage and services we've specially designed to protect businesses and nonprofits from employment-related lawsuits.

Download now

Resources for you

Applications

Policy forms library

 

Marketing materials

Service companies claims scenarios

Manufacturers claims scenarios

Contractors 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.

Register for TAP Sales training

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

Claims reporting

My Hanover Policy

 

 


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