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Employment practices liability

Just one accusation of unfair employment practices can have a devastating impact on your company’s finances and reputation.

Liberty’s Employment Practices Liability (EPL) coverage helps your organization respond to and recover from employment-related lawsuits, with coverage that’s available worldwide.

With our team of experienced underwriters, claims specialists, and risk engineers supporting you, you’re better prepared to invest in the future and grow your business.

A protective partnership

Solutions for complex risks

We understand the dangers associated with an employment-related lawsuit and the potential impact it can have on your business. Our Employment Practices Liability (EPL) insurance helps protect companies and individuals from serious threats to their reputations and financial stability. Our coverage is offered on a worldwide basis.

Target classes

Broad appetite covering a majority of industries with a few exceptions noted below. However, generally we are targeting companies with sound employment practices.

Generally excluded from appetite

  • Law firms
  • Long-term care facilities
  • Sports organizations
  • Television, film production, and radio broadcasting

Policy highlights

  • Leading-edge extensions to address changes in the employment liability laws
  • Ability to insure companies with U.S. employees across all States
  • Experienced Panel of outside EPL counsel to provide extensive guidance in a claim
  • Ability to offer multi-year terms for certain accounts, up to 3 years, with new limits every year and installment premium due annually.
  • Policy that covers civil proceedings, as well as administrative or regulatory proceedings before a human rights tribunal.
  • “Fast-track” renewal process



Our difference

  • Dedicated underwriting team in Canada offering local service in both English and French
  • Responsive claims team with a strong reputation for mutual cooperation and sophistication in Canada

Have a question?

Contact your local Liberty underwriter for more information.

Liberty Mutual Canada™ is the registered business name under which the Canadian branch of the Liberty Mutual Insurance Company operates in Canada. This literature is a summary only and does not include all terms, conditions, or exclusions of the coverage described. Please refer to the actual policy language for complete details of coverage and exclusions.