What it does
EP 01 15 excludes coverage under the ISO EPL form with respect to the employee or employees named in its schedule. Underwriters use it to carve out a known problem – for example a supervisor with prior harassment allegations or a pending dispute with a specific employee.
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
Applied by the underwriter when the application, loss history or a known circumstance points to a particular individual.
Quoting and selling notes
- Read the schedule carefully with the client; a named-employee exclusion can remove the most likely source of a claim.
- Ask whether the issue has been resolved (separation, training, investigation) so the exclusion can be removed at renewal.
- Compare competing quotes for whether the same exclusion is imposed.
