What it does
EP 20 03 adds the named insured's volunteers as insureds, so that a volunteer accused of harassment or discrimination is protected under the EPL policy within its terms.
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 and associations whose volunteers supervise or interact with employees.
Quoting and selling notes
- Pair with EP 01 19 when the client also wants coverage for claims brought by volunteers.
- Ask how volunteers are screened and supervised.
- Volunteers share the policy limit with the organization.
