Employment Practices Liability

In response to the number of lawsuits, a new form of insurance called Employment Practices Liability Insurance (EPL) has been introduced to meet the liability realities of the Canadian workplace.

EPL refers to the liability stemming from discrimination in the workplace, sexual harassment and other employment-related practices and conduct that may give rise to legal liability.

An EPL claim may be brought against employers or fellow employees, by other employees, and the claims relate to employment conduct, policies or conditions.

A typical claim in Canada could include:

Complaints before a federal or provincial human rights tribunal involving work place discrimination based on sex, race, colour, ancestry, place of origin, political beliefs or some other prohibited ground
Complaints before the Courts or federal or provincial tribunals involving either sexual harassment or sexual abuse in the workplace
Lawsuits in the Courts relating to defamation or negligent supervision of the workplace, resulting in sexual harassment
Complaints before a federal or provincial Labour Relations Board relating to hazardous chemicals or substances complaints before a federal or provincial Labour Relations Board relating to wages or other employment standards

It is our recommendation that your organization consider these forms of additional liability protection. They are not covered by a standard Commercial/Comprehensive General Liability policy. If you desire quotation or would like to discuss these or other policy coverages please Contact Us so we may assist you

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Employment Practices Liability