Employee Practices Liability Insurance

What is Employee Practices Liability Insurance?

Employee Practices Liability addresses claims brought by employees alleging workplace  wrongful termination, bullying, harassment, discrimination, invasion of privacy, and other employment-related claims.

Why does your business need Employment Edge Liability Practices Insurance?

  • An employee alleges sexual harassment against a manager.
  • An employee alleges that their privacy was violated at work when a security guard demanded to see the contents of their bag.
  • A senior executive alleges that they were wrongfully dismissed during a corporate reorganization.

What does Employment Edge Liability Practices Insurance cover?

From alleged discrimination to alleged third-party harassment, AIG’s Employment Edge provides the employment liability practices insurance today’s employers need. Coverages include:

  • Employment Practices Violation Definition - Expanded definition including current issues such as same-sex sexual harassment and discrimination, invasion of privacy, and negative employee reference.
  • Wrongful Internet Activity - Extends coverage for harassment, discrimination, and other employment-related claims.
  • Non-Employee Third Party Claims - Covers harassment and unlawful discrimination claims brought by non-employee third parties.
  • Wrongful Termination Loss - Extends to cover the differential between amount owing under Canadian common law (not contract) and amount company has offered claimant (excluding minimum statutory amounts).
  • E-Discovery Consulting - Up to $25,000 first-dollar coverage.

Important information about COVID-19

The AIG Advantage

  • Specialized in-house claims expertise – Dedicated to managing employment practices liability claims brought against your organization and its management.
  • Late noticing of Administrative Claims - Preserves coverage for your claims that relate back to an administrative or regulatory investigation inadvertently unreported under a prior AIG policy.
  • Foreign Jurisdictions - Ensures the most favourable terms and conditions from local AIG policies are applied to your claims in foreign jurisdictions.

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