Employment Practices Liability Insurance

EMPLOYMENT PRACTICES LIABILITY INSURANCE

Even the smallest employee dispute can turn into expensive litigation. Spurred by federal legislation, monetary awards for employment-related claims - for harassment, discrimination, wrongful termination, retaliation, defamation, unfair hiring practices, and other workplace torts - are steadily rising, with no end in sight. Employment-related claims can have a serious financial impact on your bottom line. Westchester specifically developed this policy with the EPL exposures of private companies in mind.

COVERAGE

Enhanced reporting provision when renewed with Westchester
Coverage for insured persons’ spouses and domestic partners for such insured persons’ wrongful acts
Subject to the applicable aggregate limit of liability, no cap on Westchester's liability in the event the insured refuses to consent to a recommended settlement
Definition of Loss includes punitive, exemplary, and multiplied damages, where permitted by law, in the venue most favorable to the insured
Coverage for sold subsidiaries, whether sold before or during the policy period, continues during the policy period for acts committed during time as a subsidiary
Bilateral extended reporting period; any insured has right to purchase
Coverage is fully non-rescindable

ABOUT WESTCHESTER

Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Westchester is a division of Chubb, a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: www.chubb.com