Broadest array of covered liabilities, including violation of any federal, state, or local law, including common law violations pertaining to any kind of discrimination or harassment.

Wrongful termination coverage includes constructive discharge and breach of implied employment contracts.

Employment-related torts are also covered, including infliction of emotional distress, defamation, libel, slander, disparagement, false imprisonment, malicious prosecution, and invasion of privacy.

Claims about how the company handles its employment matters are also covered including negligent hiring or supervision of others, failure to adopt or enforce adequate workplace practices, and excessive or unfair discipline.

More than just employment practices liability is covered — claims of discrimination or harassment made by third-parties, such as customers and clients, are also covered whether brought under public accommodation statutes or any other theory of liability.

Coverage extends to the company, and every person in the company, including partners, principals, directors, officers, trustees, and employees.

The company has the option, at the time the claim is made, of whether to extend the coverage to particular employees. This allows the company to conserve policy proceeds for only those individuals whom it decides should be covered.

Broad employee claim coverage including full-time, part-time, seasonal, temporary, and even claims by leased workers and independent contractors are covered

Full prior acts coverage.

Claims for non-monetary relief covered.

No intentional acts exclusion.

Coverage for exemplary, multiple, and liquidated damages.

Coverage for punitive damages using “most favorable jurisdiction” wording.

No class action exclusion.

No bodily injury exclusion for EPL claims.

No downsizing exclusion.

Spousal and estate extensions.

Retention credit for utilizing approved employment attorney prior to terminations.

Potential claim notification at the option of the insured.