--- title: "Does General Liability Cover Discrimination?" description: "CGL generally excludes employment discrimination claims by applicants or workers; EPLI may cover specified employment-practices claims." canonical: "https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employment-discrimination-harassment-and-wrongful-termination" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "general-liability" question: "does-general-liability-cover-employment-discrimination-harassment-and-wrongful-termination" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employment-discrimination-harassment-and-wrongful-termination) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does General Liability Cover Discrimination?" within the General Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does General Liability Cover Discrimination? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [General Liability FAQ](https://thegeneralaverage.com/insurance-faq/general-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does General Liability Cover Harassment?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-harassment) — related question - [Does General Liability Cover Wrongful Termination?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-wrongful-termination) — related question - [Does General Liability Cover Employee Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employee-injuries) — related question - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) — related question - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) — related question - [General liability](https://thegeneralaverage.com/coverage/general-liability) — related coverage guide - [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) — related coverage guide # Does General Liability Cover Discrimination? CGL generally excludes employment discrimination claims by applicants or workers; EPLI may cover specified employment-practices claims. The ISO specimen excludes bodily injury arising from employment decisions, and EPLI is a separate coverage line for specified employment claims. Compare an EPLI quote for covered claimants and allegations, defense costs, limits, retentions, and reporting rules. Tell the broker where your workforce is located and ask whether third-party claims are included if relevant. ## More Questions About General Liability Insurance - [Does General Liability Cover Harassment?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-harassment) - [Does General Liability Cover Wrongful Termination?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-wrongful-termination) - [Does General Liability Cover Employee Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employee-injuries) - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) ## Coverage Guides Related to General Liability Insurance - [General liability](https://thegeneralaverage.com/coverage/general-liability) - [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) ## Sources for This Answer 1. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25. 2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25. 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