Employment Practices Liability

Protecting directors, officers, and senior leaders from today’s leading risks.

 

Why choose AIG Employment Practices Liability?

Employment practices liability (EPL) exposures continue to increase and take on new dimensions. Ongoing developments at the U.S. Equal Employment Opportunity Commission (EEOC), in court decisions, and in state and federal legislatures are steadily expanding exposure. In addition, the increased reliance on the Internet and social media has opened new avenues for employment liability risk that are particularly difficult for employers to manage. 

For more than 40 years, AIG has helped organizations create customized protection for directors and officers against claims by competitors, shareholders, and regulators. Wherever you operate, let’s work together to protect your organization’s greatest asset: your senior leadership.

The AIG Advantage

Above and Beyond Claims

Our global claims team offers dedicated resources to support consistency of claims handling, effective account stewardship, and winning claims strategies. And with AIG’s financial capacity, customers can rely on long-term stability.

Loss Control and Mitigation Resources

EPL Pak® Premier is a suite of services that combine online training, loss control, and risk management tools to help you manage employment practices risks. These resources provide EPL policyholders with access to expertise and materials from two of the nation’s foremost employment and labor law firms, Littler Mendelson, P.C. and Jackson Lewis LLP.

AIG Employment Practices Liability Solutions

Policy Amounts

  • $25 million available on the primary policy
  • Additional limits may be available on an excess basis

Available Coverage

  • The EPL policy provides coverage for federal discrimination laws and other employment violations brought against the company, executives, and employees
  • Third-party coverage for discrimination and harassment is built into the policy form
  • Available on a combined basis on the private company directors and officers form

Additional Details

  • Contains a claims savings clause for those insureds who have had continuous EPL coverage with AIG; Insurer consent is not required for full settlements within the retention; $25,000 in E-Discovery consulting services and sub-limits for crisis loss; provides coverage for employment violations over the internet by the company’s employees, whether or not in their capacity as such

Policy Amounts

  • Up to $25 million limits available in the U.S. and Bermuda for public and private companies on a primary and excess basis

Available Coverage

  • Provides coverage for local, state, and federal pay protections afforded to employees and other individuals

Additional Details

  •  Can be offered on a stand-alone basis or may be shared with an existing AIG EPL policy
  • The policy can be purchased on a stand-alone basis even if the company does not purchase their EPL policy from AIG
Learn more

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

Downloadable Materials

Filename
4024d-wage-hour-one-pager-whedge-final.pdf
Size
37 KB
Format
application/pdf
Wage and Hour Edge (WHEDGE)

Filename
ps-employmentedge-brochure.pdf
Size
65 KB
Format
application/pdf
Employment Practices Liability Insurance Overview

Filename
eplclaims-brochure.pdf
Size
60 KB
Format
application/pdf
Employment Practices Liability Claims Scenarios

Filename
4024d-epl-pak-premier-profile-final.pdf
Size
102 KB
Format
application/pdf
Employment Practices Risk Management Services (EPL Pak® Premier) Overview

Filename
aig-claims-first-financial-lines.pdf
Size
271 KB
Format
application/pdf
Claims First Financial Lines

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.