What it does
EP 01 20 extends the ISO EPL form to liability to non-employees generally, a broader third-party extension than the customer-and-client (EP 01 17), independent contractor (EP 01 18) or volunteer (EP 01 19) endorsements. New York uses its own version (EP 01 26).
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
Employers with significant contact with the public, vendors, contractors and visitors.
Quoting and selling notes
- Choose between the targeted extensions and this broad one based on who the client's staff interact with.
- Ask about complaint handling and training that covers conduct toward non-employees.
- Pricing for third-party EPL varies widely by class.
