A Handy Guide For Choosing And Using Employment Practices Liability Insurance Coverage

Like many employers, you may have been down this road before: Bright and early one morning, you receive notification that a lawsuit has been filed against your company and its executives, alleging some form of employment discrimination, harassment or other workplace wrongdoing.

You swiftly reach out to your favorite employment lawyer — the one who knows you, your business and perhaps even this particular situation best. You then recall (or are soon reminded) that your company has insurance that may cover this dispute. End of problem? Not really.

While the existence of insurance may answer some of your most pressing questions, such as who is going to pay to defend the company and who will cover the cost of some or all of any judgment or settlement, it may create a host of unanticipated questions as well.