Directors and Officers/Employment Practice Liability

Directors and officers liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

Employment practices liability insurance or "EPLI" is liability insurance that covers certain employment related claims made by employees. For example, if a manager harasses or discriminates against an employee (or is alleged to have done so), EPLI will provide a defense and possibly claim payment on behalf of the business. EPLI provides protection against many kinds of employee lawsuits, including claims of:

§ Sexual harassment
§ Discrimination
§ Wrongful termination
§ Breach of employment contract
§ Negligent evaluation
§ Failure to employ or promote
§ Wrongful discipline
§ Deprivation of career opportunity
§ Wrongful infliction of emotional distress
§ Mismanagement of employee benefit plans