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Did you know that the average plaintiff’s verdict in employment practices lawsuits exceeds $250,000, with 15 percent of all verdicts four times that amount? Defense costs, even if you win the case, can easily exceed $50,000.

EPLI claims most often rise from these five categories: discrimination, wrongful termination, sexual harassment, retaliation, and workplace torts. Contractors are frequently the target of these claims, because of their occasional use of temporary workers. They can also find trouble where an independent subcontractor has been treated like an employee. Also, the environment of the construction site provides the perfect conditions for such claims since there exists a more lax mood and there is relatively no consistent managerial oversight as there is in an office environment.

Generally, all other liability policies exclude this type coverage so as to not overlap in coverage.