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Employment practices liablity insurance — Virginia

Just as employment litigation has become more prevalent, there has been a corresponding growth in the number of employers who have purchased employment practices liability insurance (EPLI) in order to protect themselves from some of the financial risk of employment litigation. A good EPLI policy can supplement other liability policies, providing additional coverage for discrimination, sexual harassment and wrongful discharge. There are pros and cons to purchasing employment practices liability insurance and this chapter will discuss some of the factors that employers should consider in deciding whether to purchase insurance and what type of coverage to purchase. Employers should consider such factors in deciding whether employment practices liability insurance coverage is right for them and what type of coverage to purchase.

Conditions to obtain coverage

Before an employer is able to purchase employment practices insurance and before insurance companies will quote premiums to employers, it is common that insurance companies will require that the employer submit information to the insurer regarding its past employment claims history and its employment practices, including handbooks and policies and training. There may also be requirements that employers maintain training programs during the...


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