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CNA Insurance
Employment Practices Liability (EPL)

Many companies believe that the risk of being sued by their employees is very low. Unfortunately, this is not the case. In fact, almost 75 percent of lawsuits filed against corporations are related to employment practices. Even if there is little or no liability, the cost of defending your company against these types of claims can be significant.

CNA's Employment Practices Liability insurance provides the coverage your company needs. This insurance covers a wide range of exposures, such as:

  • Discrimination based on gender, race, national origin, religion, disability or sexual orientation
  • Sexual harassment or other unlawful harassment in the workplace
  • Wrongful termination
  • Failure to employ or promote
  • Retaliation
  • Employment-related misrepresentation
  • Failure to adopt adequate workplace or employment policies and procedures
  • Employment-related defamation or invasion of privacy
  • Negligent evaluation of an employee
  • Wrongful discipline of an employee
  • Employment-related infliction of emotional distress

EPL Policyholder Risk Control Resources

Numerous new employment laws and regulations, as well as aggressive agency enforcement action, have contributed to continued risk of allegations of discrimination, harassment and other wrongful employment practices. No company is immune to this trend — even those with sound, carefully worded human resources policies and procedures.  The Equal Opportunity Commission, courts and certain state laws have made it clear that periodic training is essential to assist a company in its defense - and may even help prevent such claims.

To help our EPL policyholders manage employment-related risk, CNA provides services that can assist your company in mitigating exposure to costly employment claims and litigation, while improving employee relations. These EPL services are provided on a complimentary basis to most CNA EPL policyholders.*

* CNA policyholders insured through the AICPA Professional Liability Insurance Program should consult with Aon Insurance Services for more information.

CNA Risk Control

CNA’s experienced Risk Control consultants understand employment risks and have the tools to help you mitigate those risks.

Use these downloadable (PDF) resources to prevent and manage your exposures:

Learn more about CNA’s Risk Control resources

Beyond HR SM: CNA’s new management liability risk control platform
Replacing CNA’s H.R. Web Training platform, Beyond HR SM offers a variety of features to assist your company in mitigating employment practices risks. The platform offers online, trackable training on important topics such as retaliation, wrongful termination and harassment. Comparable training may cost hundreds or even thousands of dollars if purchased separately.

Beyond HR SM offers:

  • A searchable database of articles and checklists on important workplace topics.
  • Refresher bulletins to support the online training modules.
  • Model employment handbook, policies and forms.
  • Webinars on current employment issues.
  • “Best practices minutes” podcasts on various workplace topics such as disability accommodation, bullying, social media and cyber crime.

By registering for Beyond HR SM, EPL policyholders will receive invitations to other CNA webinars, as well as CNA Risk Control bulletins and materials, regarding risk exposures in areas such as Workers’ compensation, property, business interruption and technology.

* CNA’s EPL risk control resources, including Beyond HR SM, are not available to policyholders that purchase EPL via endorsement to a Connect policy.

H.R. Help Line - Human Resources Consulting Advice at No Additional Cost

Eligible CNA policyholders can receive human resources consulting advice through the H.R. Help Line, provided by Jackson Lewis*, LLP, a national law firm that specializes in employment law. Simply have your human resources representative call the toll-free H. R. Help Line at 1-888-CNA-EPL1 (1-888-262-3751), identify your company as a CNA employment practices policyholder and provide your company’s policy number. The H.R. Help Line is serviced by attorneys who do not act as legal counsel to callers, but rather as human resources consultants, providing information regarding employment laws and risk control strategies.  For example, callers can receive guidance about the impact of certain employment laws upon their workplace, and general information about the implementation of human resources policies and procedures.

Please note that the H.R. Help Line can not provide legal advice pertaining to specific personnel decisions.

*Jackson Lewis is neither an affiliate of CNA nor is it an agent or broker. As such, information reported to Jackson Lewis is not notice to CNA of any claim or potential claim. Please contact your insurance agent or broker to report claims or potential claims.

CNA accepts no responsibility for the accuracy or completeness of this material and recommends the consultation with competent legal counsel and/or other professional advisors before applying this material in any particular factual situations. This material is for illustrative purposes and is not intended to constitute a contract.   Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.

CNA does not endorse, recommend, or make any representations or warranties as to the accuracy, completeness, effectiveness, suitability, or performance of any of the products, applications, software, or programs identified herein.

Any references to non-CNA Web sites are provided solely for convenience and CNA disclaims any responsibility with respect thereto.

To learn more about CNA's employment practices liability coverage, contact your local CNA branch.