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Philadelphia Insurance Companies provides Stand Alone Employment Practices Liability Insurance for Big I NJ members.

This gives agencies with up to 4,000 employees a comprehensive employment liability solution.

What is Employment Practices Liability?
Employment Practices Liability insurance protects companies and individuals against loss (damages and defense costs) arising out of employment practice disputes. Common claims allege discrimination, sexual harassment, wrongful termination, and wrongful discipline.

Who needs EPL?
Whether the staff size is 5 or 500, in today's environment every business is at risk. Employment Practices Liability concerns touch virtually every single business in the U.S. The increase in employment related lawsuits appearing in the media is just the tip of the iceberg, there are thousands more never heard about. For every suit filed in court, there are many others settled out of court for undisclosed amounts of money.
What can EPL Insurance cover?
  • Failure to promote
  • Wrongful termination
  • Employment related misrepresentation
  • Sexual harassment
  • Negligent evaluation
  • Wrongful discipline
  • Defamation
  • Discrimination
  • Invasion of privacy
  • Emotional distress

Coverage Scenarios
There are numerous situations that may cause a claim to be filed, including, but not limited to:

  • Sexual Harassment
    A food service employee complains to management that co-workers are making sexually suggestive statements to her. She is terminated because the company feels she is not qualified for the job. The employee sues the company and the officer who requested her dismissal, alleging sexual harassment, discrimination, and retaliation.
  • Employee Misrepresentation
    A company president promises an employee a promotion to vice president. The employee is encouraged to prepare for an expansion and turns down an opportunity to work elsewhere, based on the president's promises. The employee is later terminated in a company restructuring. The employee sues the company and its president for fraud and misrepresentation.
  • Discrimination
    A wheelchair-bound employee of a supermarket is dismissed in a reduction in force. She sues her employer, alleging that the supermarket discriminated against her on the basis of her disability in violation of the Americans with Disabilities Act.

Program Features:
  • Third party liability coverage built into the form.
  • Coverage for the entity as well as employees, including: part time, leased, seasonal, temporary, and volunteers.
  • Optional Duty to Defend Provision - insured can choose defense counsel or tender the defense to the underwriter.
  • Most favorable venue wording for punitive, multiple, or exemplary damages.
  • Worldwide coverage.
  • Free claims assistance hotline (2 hours/incident).


Contact IIANJ Marketing Programs, Inc. at 609-587-4333.

Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance.  Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Please contact our office at 609-587-4333 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.