What Insurance Covers Employee Lawsuits?
EPLI is designed for covered employment-practices claims, while general liability usually does not cover employee lawsuits.
A single employee complaint can allege discrimination, harassment, retaliation, or wrongful termination. EPLI is the policy to review for those claims; the complaint’s allegations may trigger different exclusions, sublimits, or retentions.
Check who qualifies as a claimant, defense-cost treatment, reporting deadlines, and the specific exclusions in your quote. General liability is not a substitute for employment-practices coverage.
Coverage Guides Related to Employment Practices Liability Insurance
Sources for Employment Practices Liability Insurance Answers
- Commercial general liability insurance. Insurance Information Institute; Coverage A: Bodily Injury and Property Damage Liability; Purchasing commercial general liability insurance; Directors and Officers liability. Accessed 2026-09-25.
- Harassment. U.S. Equal Employment Opportunity Commission; Harassment; Employer Liability for Harassment. Accessed 2026-09-25.
- Employment Practices Liability Solution. Great American Insurance Company; specimen hosted by ABA Insurance Services; Wage and Hour Violations endorsement, PDF pp.18–19. Accessed 2026-09-25.