Fiduciary Liability vs. EPLI: What Is the Difference?

A benefits dispute and a workplace-practices claim can involve the same employee but trigger different coverage. Check separate grants and exclusions.

Compare both actual policy forms for insureds, claim definitions, defense arrangements, limits, retentions, and exclusions. If the complaint alleges retaliation tied to plan participation, wrongful denial of benefits, or both, ask the broker how each form would treat it and whether related claims provisions apply. Confirm whether the coverages share an aggregate or have separate sublimits. Do not rely only on a package name or a certificate summary.