What it does
EP 01 12 amends the Who Is An Insured provision of the ISO EPL coverage form to restrict coverage for employees as insureds. Employees who are sued personally for harassment or discrimination are a common feature of EPL claims; this endorsement narrows how far the policy protects them individually. New York and Virginia use state versions (EP 01 46, EP 01 32).
It is an endorsement of ISO's stand-alone Employment-Related Practices Liability program and modifies the EPL coverage form (EP 00 01, or EP 00 02 where separate defense and indemnity limits are used). Forms lists show it available in most states, with state-specific versions where noted.
Who needs it
Used by underwriters who want the policy to protect the employer and its management while limiting coverage for rank-and-file employees named as individual defendants.
Quoting and selling notes
- Point it out when the client expects supervisors and co-workers to be defended if named in a suit.
- Ask whether the client indemnifies employees under its bylaws or handbook; uninsured indemnity obligations fall back on the employer.
- Compare with carriers that include all employees as insureds without restriction.
