Employment Practices Liability Insurance for Middle Markets

Lexington Insurance Company’s Employment Practices Liability (EPL) policy form is tailored to provide ultra-broad protection for companies in a wide range of industries and to respond to employee-initiated claims of sexual-harassment, discrimination, wrongful termination and other related "workplace torts". Optional coverage is available for claims brought by non-employee third parties, such as discrimination claims filed by customers. Also, qualified insureds benefit from a portfolio of industry-leading EPL risk management services designed to help insureds create a workplace free of discrimination and harassment and arm employers with defenses to such claims.

Features and Benefits Back To Top
  • Limits of up to $25 million in capacity is available
  • A "duty to defend/pay on behalf of" policy
  • The policy pays defense costs in claims seeking injunctive or non-monetary relief
  • Mutual selection of defense counsel
  • A broad definition of related "workplace torts"
  • Coverage is available to employers of many sizes in a wide range of industries, and in most states
 

Lexington Insurance Company’s in-house team of employment practices liability claims specialists is among the most experienced in the business. In fact, Lexington’s employment practices liability (EPL) claims facility has been managing EPL claims since EPL policies were first issued more than a decade ago. Lexington's dedicated EPL claims unit is comprised of highly skilled claim professionals and attorneys who work together in a centralized unit. As a result, insureds and brokers have just one place to call for immediate answers to claims questions and status updates. This concentration of EPL claim talent facilitates an easy exchange of information and insights to fine-tune strategies and advance the interests of EPL policyholders in claims. Additional Highlights in Lexington's EPL claims facility also offers:

- Mutual selection of defense counsel 
- Claims specialists dedicated to particular accounts—so they develop deep knowledge of the particular concerns and loss histories of the policyholders they serve and build strong, productive relationships with insureds 
- Priority access to premier EPL defense attorneys at preferred rates helps insureds control legal expenses and overall claims costs while optimizing defense. Lexington Insurance Company has been providing highly flexible protection for EPL risks for more than a decade.

Today, Lexington offers especially broad coverage for many industries and specialized policies focused on industry-specific EPL risks. Lexington also brings to the table exceptional risk management expertise and claims services that are fueled by unrivaled experience.

To report a claim please contact us:
Tel: 800-931-9546
Fax: 866-671-9288
Mail: Lexington Insurance Co.
100 Summer Street
Boston, MA 02110

To follow up on an existing claim:
Tel: 877-873-9972

Risk Mgmt. Services Back To Top

Qualified Lexington EPL policyholders benefit from a portfolio of services that can be designed to improve employment practices and prevent employment-related liability losses. Services can include:

- The lexeplhelp.com risk management information resource & employee training tool.
- A toll-free employee hotline to facilitate reporting of employment complaints or violations.
- Best Workplace Practices Manuals that help make HR practices state-of-the-art.
- A full time, in-house EPL risk management consultant readily accessible to answer queries on employment liability issues.
- Employment practices audits to help insureds assess and improve current employment policies and procedures.
- A toll-free EPL risk management hotline to answer management questions regarding employment practices-related situations or exposures.
- National defense counsel coordinated by a leading law firm for insureds facing complex multiparty EPL litigation.
- Regional EPL seminars on current topics related to employment practices and liabilities.
- Dedicated in-house EPL claims staff to handle claims.

Applications and Forms Back To Top

The applications below are for the exclusive use of licensed surplus lines  insurance brokers. As a surplus lines insurer, Lexington Insurance Company does not accept applications from or provide quotes to individuals.

EPL Application (.pdf)
A web-based application form for our Employment Practices liability insurance.

EPL Staff Select (.pdf)
A web-based application form for our EPL Staff Select.

Business Supplemental (.pdf)
A web-based supplemental application form for Wrongful Business Environment insurance.