Do EPLI policies cover volunteers?
Many of the same allegations that can be made by employees might also be made by volunteers. Even though they aren’t paid, volunteers could claim they were mistreated because of their gender, race, age, orientation or another illegal reason.
For organizations with lots of volunteers, the potential risk exposure can be quite extensive if there’s no insurance in place. Thankfully, EPLI policies may cover volunteers.
If coverage is specifically needed for volunteers, organizations should work closely with an insurance agent who’s specialized in employment practices liability insurance. This is one protection that requires extensive knowledge of EPLI policies to check.
Are claims of employee discrimination covered under general liability insurance?
While general liability insurance offers a defense against many business-related risks, these are usually common risks and aren’t specific to employment. General liability normally doesn’t cover employment discrimination claims. For such claims, EPLI insurance is typically needed.
Are claims of employee discrimination covered under workers compensation?
Workers compensation broadly offers compensation for workplace injuries and illnesses, and not discrimination claims. Again, EPLI is normally needed for employment discrimination claims.
Do EPLI policies cover claims of third-party discrimination?
Employees and volunteers aren’t the only ones who could allege discrimination. Businesses can occasionally also face discrimination allegations from third parties, like clients or vendors.
Standard EPLI policies don’t always cover third-party discrimination claims. If coverage for these claims is specifically needed, though, a specialized agent can help look for a policy that does include protection against third parties.
Do EPLi policies cover claims of FMLA violations?
Many EPLI policies include coverage for claims that allege a business violated the Family Medical Leave Act (FMLA). For example, a new father who claims they lost their job while on FMLA might be covered.
Coverage for Fair Labor Standards Act (FLSA) and Occupational Safety and Health Act (OSHA) violations are also frequently covered. Coverages can vary, though, so terms should be confirmed by a knowledgeable insurance agent.