What it does
BP 21 02 is the employment-related practices exclusion of the ISO Micro-Businessowners program. It removes liability coverage under BP 00 04 for injury arising out of employment-related practices – the micro-program counterpart of BP 04 17 on the full BOP.
Who needs it
Micro-businesses with any employees. Employment claims (wrongful termination, harassment, discrimination) belong on employment practices liability coverage.
Quoting and selling notes
- Offer EPL separately; the full BOP has an EPL endorsement (BP 05 89) and stand-alone EPL policies are available.
- Even one employee creates exposure; ask about hiring and termination practices.
- Claims from applicants, current employees and former employees all fall within employment-related practices; customers harassed by staff are a third-party EPL issue that stand-alone EPL forms may cover by endorsement.
