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Directors, officers & employment practices
Covers the people running the company, and claims brought by the people working for it.
Start the directors, officers & employment practices application →- What it covers
- Wrongful termination, discrimination, harassment, and retaliation claims
- Wage and hour defense, on some forms
- Claims against directors and officers for management decisions
- Defense costs, which dominate these claims
- What it doesn't cover
- Bodily injury
- Actual unpaid wages, usually — defense only
- Fraud and deliberate violations
- Typical limits
- $500K to $1M is typical for a small business. EPLI usually carries its own retention.
- Worth knowing
- If you have employees, an EPLI claim is statistically more likely than a fire. Nonprofits and businesses with boards should look hard at the D&O side too.
Common questions about directors, officers & employment practices
What does directors, officers & employment practices cover?
Wrongful termination, discrimination, harassment, and retaliation claims. Wage and hour defense, on some forms. Claims against directors and officers for management decisions. Defense costs, which dominate these claims.
What does directors, officers & employment practices not cover?
Bodily injury. Actual unpaid wages, usually — defense only. Fraud and deliberate violations.
What limits are typical?
$500K to $1M is typical for a small business. EPLI usually carries its own retention.
What should I watch out for?
If you have employees, an EPLI claim is statistically more likely than a fire. Nonprofits and businesses with boards should look hard at the D&O side too.