What this guide helps you evaluate
Employers that want to understand insurance for employment-related allegations.
This page is designed to help you compare the moving parts, organize due diligence and ask better questions before you commit money, sign a contract or change an operating process.
What to compare first
- Claims involving discrimination, harassment, retaliation or wrongful termination
- Claims-made reporting requirements and retroactive dates
- Defense costs inside or outside the policy limit
- Deductible or retention per claim
- Coverage for third-party claims, wage issues and specific exclusions
Step-by-step process
- 01
Map employee count, locations and use of contractors.
- 02
Review handbook, complaint channels and manager training.
- 03
Compare policy definitions and exclusions using the same hypothetical claim.
- 04
Check notice requirements and whether insurer consent is needed for counsel or settlement.
- 05
Coordinate EPLI with D&O, general liability and cyber policies to avoid gaps.
Common mistakes and risk checks
- Assuming every workplace dispute is covered.
- Reporting a claim or circumstance late under a claims-made policy.
- Ignoring multi-state employment practices when the workforce is remote.