Does D&O Cover Employment Claims?
D&O may cover some claims naming leaders over workplace decisions, but EPLI is the coverage designed for employment claims.
Buy EPLI for claims such as discrimination, harassment, or wrongful termination.
Employment allegations can name executives personally, but the policy may exclude employment-related wrongful acts or cover them only through EPLI. Side A/B can be relevant to an insured person’s covered management conduct; Side C is not a substitute for an employment insuring agreement. An EPLI section may have separate definitions, retentions, and limits, while an insured-versus-insured clause may affect a company’s claim against its leader. Compare who is an insured, whether applicants and former employees are included, and how wage-and-hour or benefit-plan allegations are handled. Read the D&O exclusion together with any EPLI form or endorsement.
Coverage Guides Related to D&O Insurance
Sources for This Answer
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance; Fiduciary Liability Insurance; General Liability Insurance; Management Liability Insurance; Underwriting. Accessed 2026-09-25.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; III.A–E pp.1–2; III.J–M pp.2–3; IV Exclusions pp.3–4; VI Defense and Settlement pp.6–7; form version PDO-3001 Ed. 01-09. Accessed 2026-09-25.
- Directors and Officers insurance. Insurance Information Institute (Triple-I); What D&O covers; What’s excluded?; The added value of protecting company leaders. Accessed 2026-09-25.