Employment Practices Liability Coverage

Avoid this costly mistake.

Timing is one of the top reasons insurers deny employment claims. Many employment practices liability (EPL) policies have a notification requirement. Some simply state that you must report a claim when reasonably practicable. Other policies give a specific period, such as the 60-day notification requirement on Physicians Insurance’s EPL endorsement attached to most of the medical professional liability policies.

Avoid missing your notification deadline by reviewing your EPL endorsement and any excess EPL policy you have. Note the notification requirements. Then, check the policy’s definition of a claim. You may be required to report certain incidents promptly, regardless of how frivolous they may seem.

Know your policy’s definition of a claim AND its notification requirements. When in doubt, call your EPL insurer.