What it does
EP 01 18 extends the ISO EPL form to claims by independent contractors – for example a contractor alleging harassment or discriminatory termination of the engagement. New York uses its own version (EP 01 24).
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
Businesses that rely on 1099 contractors, staffing arrangements or gig workers alongside employees.
Quoting and selling notes
- Ask how many contractors work for the client and in what roles.
- Misclassification and wage claims are a different exposure and generally not covered by EPL.
- To make the contractors themselves insureds, look at EP 20 04.
