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Third-party coverage can be an important part of EPLI policies

Not long ago, few insurance companies wrote employment practices liability insurance that included third-party coverage. When EPLI was introduced, the loss potential of third-party coverage was not fully understood, which made many insurers

By Wayne E. Bernstein | Updated on October 31, 2006

Not long ago, few insurance companies wrote employment practices liability insurance that included third-party coverage. When EPLI was introduced, the loss potential of third-party coverage was not fully understood, which made many insurers apprehensive. While most EPLI carriers now offer the coverage, a few still don’t, mainly because there is not enough actuarial data to statistically support it.

Third-party EPLI is intended to protect an insured entity and its employees from allegations of various wrongful acts committed against the insured’s customers, clients, vendors, suppliers and visitors. The list of potential claimants may even include medical patients, volunteers and all other non-employees. A few EPLI forms also grant coverage for wrongful acts committed by such third parties against the named insured’s employees.

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