What it does
EP 01 17 extends the ISO EPL coverage form, which is built around claims by employees and applicants, to liability to the insured's customers and clients – so-called third-party EPL. Typical claims are a customer alleging sexual harassment by a salesperson or discriminatory refusal of service. New York uses its own version (EP 01 23).
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
Restaurants, retailers, hotels, healthcare and service businesses with heavy customer contact.
Quoting and selling notes
- Ask about customer-facing staff, complaint procedures and prior customer discrimination complaints.
- Many carriers price third-party EPL as an add-on; quote it as an option when the client serves the public.
- For broader non-employee coverage consider EP 01 20.
