Employment practices liability (EPL) insurance provides coverage to individual employees and the corporation for wrongful employment practices claims. EPL coverage protects companies from claims brought by current and former employees, as well as applicants for employment, and extends to claims brought due to violations of state and federal regulations, such as the Americans with Disabilities Act and the Civil Rights Act. Employment Practices Wrongful Acts include the following:

• Failure to promote
• Wrongful termination
• Wrongful refusal to employ
• Sexual harassment
• Discrimination for: race, color, creed, national origin, marital status, medical condition, gender, age, physical appearance, physical and/or mental impairments, pregnancy or sexual preference/orientation
• Defamation of character
• Invasion of privacy
• Wrongful deprivation of career opportunity
• Wrongful discipline
• Emotional distress
• Misrepresentation
• Breach of implied contract