What it does
EP 01 19 extends the ISO EPL form to claims brought by volunteers, who otherwise fall outside a form built around employees and applicants. New York uses its own version (EP 01 25).
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
Nonprofits, churches, schools, hospitals and events that use volunteers who can allege harassment, discrimination or wrongful dismissal from a volunteer role.
Quoting and selling notes
- Ask the number of volunteers and their roles; youth-serving and healthcare volunteers draw underwriting questions.
- To make volunteers insureds when they are accused, add EP 20 03.
- Nonprofit management liability policies often package this coverage.
