Employment practices liability claims can happen on both sides of the employment line- meaning they can arise from the employee side of the business OR on the other side, and be inflicted by a customer or client. Let me give you a couple of examples of each-
I think the first one that always comes to mind is discrimination- you, as an employer, don’t hire someone due to race, gender, or religion. OR you fire someone for one of those reasons.
It also applies to sexual harassment or even just verbal harassment.
From the other side of the counter, you can have Employment Practices Liability occurrences as well from a customer to an employee. Lets say you have a vulgar customer who also just so happens to be a very good customer. This guy is rude, demanding, and also likes to target/harass a certain employee due to their age, race, sex, religion. The employee has talked to you (the employer) about it and voiced their concerns and you tell them just to grin and bear it- this guy is a good paying customer. In the end you cause this employee physical and emotional distress from having to deal with this customer and that’s where the claim arises.
EPL claims can also come from wrongful discharge, where someone is fired due without cause.
We have several markets that offer Employment Practices Liability