Employment Practices Liability Insurance: Protect your business from a devastating court case

Designed to cover losses that are not protected by general liability insurance, employment practices liability is a specialized type of insurance. Not only is it a way to ensure that your business stays afloat in an overly-litigious society, but it will also protect you from dishonest or deceptive employees.

Included in this insurance policy is coverage for claims such as:

Wrongful Termination

This policy covers claims that the former employee is alleging about their discharge. In some cases, it will even cover constructive discharge claims, which is when an employee alleges that they were compelled to resign or retire because they could not tolerate the work environment.


This provision covers claims by current, former, or prospective employees who allege that they were discriminated against based on race, sexual orientation, color, marital status, creed, sex, national origin, religion, gender, age, military service, disability, pregnancy, or handicap. The definitions of these discriminations are determined by federal, state, or local law and – if changed in the future – will be included in your policy. This provision can also cover employees who allege that they were discriminated against for exercising their rights to workers’ compensation, COBRA, or other similar laws.

Sexual Harassment

Whether the claim is against you, your company, or any of your employees, this provision will cover sexual harassment as defined by the Equal Employment Opportunity Commission.


This insurance provision covers all claims by employees who allege that they were discriminated against because they disclosed an unfair or illegal practice by your company.

Wage & Hour

Typically not covered in most general liability policies – as with other Fair Labor Standards Act (FLSA) actions – this provision can help protect you from wage and hour claims alleged by current or former employees.

Other Employment-Related Claims

Additional claims alleged by current, former, or prospective employees can be covered by this type of provision. These claims can include invasion of privacy, libel, mental anguish, slander, infliction of emotional distress, defamation, breach of contract, loss of consortium, negligent hiring, assault and battery, supervision, or promotion or retention.

Ready to protect your business from financial loss? Fill out this form to receive a free insurance quote. Or, if you have questions, call us at (800) 414-6333 or email us.

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ConstructSure offers the following insurance policies:

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ConstructSure provides construction contractor insurance in Maryland, Virginia, Washington DC, and Pennsylvania. The information contained on this site is intended for illustrative purposes only. ConstructSure coverage is subject to the conditions, restrictions, limitations, exclusions, and terms of the policy documentation. Coverage may vary by state and availability of policies is subject to each state’s approval.


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Phone. 800-410-6333