The Employment Practices Liability (EPL) product is specifically designed for a broad range of employers with up to 500 employees and includes coverage for defense costs outside the limit (up to 200 employees), a $100,000 sub-limit for Fair Labor Standards Act claims (including defense costs and loss; state restrictions apply), a broad definition of Wrongful Employment Act, punitive damages (state restrictions apply), and a free human resources hotline (no limit on number and length of calls). Third party discrimination and harassment option is available to most classes.
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