Why You Need 3rd Party Employment Practice Liability Coverage

April 21, 2017

Why You Need 3rd Party Employment Practice Liability Coverage

We live in an ever-increasingly litigation-happy world, where the threat of a lawsuit is always present. Even staying within legal limits at all times is often not enough to avoid being sued by a disgruntled employee or customer. Though the majority of lawsuits are groundless, the cost of defending your company is high, and the process is time-consuming.


By carrying Employment Practices Liability Insurance (EPLI), you protect your business against lawsuits from present, prospective, and past employees who may sue your company for any ‘wrongful acts’ like discrimination, sexual harassment, or wrongful termination.

The Importance of 3rd Party EPLI Coverage

Don’t wait until it’s too late to fill this common gap in your insurance coverage. Leaving yourself vulnerable to discrimination and harassment lawsuits from people outside of your company can put your entire business at risk. Generally, EPLI coverage only covers claims made by employees, and most commercial general liability, or CGL, coverage specifically excludes harassment and discrimination claims. Third-party EPLI bridges this gap.

Third-party EPLI protects you against claims of discrimination, including:

  • Race
  • Sex
  • Religion
  • Nationality
  • Age
  • Disabilities
  • Sexual orientation
  • Pregnancy
  • And more

If your telecommunications company deals with the third parties or the public on a regular basis, third-party EPLI coverage is for you, including outside clients or suppliers. USA Telecom Insurance Services understands the specific needs of those in the telecommunications industry, and we are one of few in the country who provide an “All Lines” insurance program. For any questions regarding third-party EPLI coverage or any of our insurance options, contact us today at 800-645-8699.

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