Employment Practices Liability Insurance

Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) provides coverage for claims made by employees, former employees, or potential employees. It covers discrimination, wrongful termination, harassment, and other employment-related issues. As a Justworks customer, your company is covered under Justworks' EPLI policy with Chubb.

Why do I need EPLI?

Small businesses can be particularly vulnerable to employment claims. EPLI helps protect your company against costly employment lawsuits from employees, former employees, or potential employees.

Because of the sometimes costly nature of wrongful employment practices lawsuits, Justworks requires EPLI coverage for all its customers. Although EPLI is not a legal requirement, when you start with Justworks, you're enrolled in coverage under our EPLI policy.

What's Covered?

• Wrongful termination, failure to hire or promote, or demotion
• Discrimination
• Harassment (including sexual harassment)
• Retaliation
• Defamation
• Negligent supervision or hiring
• Certain other employment-related claims

What's not covered?

• Third-party discrimination claims
• Wage and hour claims, such as overtime and minimum wage violations
• Late-reported claims and potential claims (The company must give Justworks notice of any claim or potential claim within 60 days of the information first being received)
   

How much does it cost?

For current customers, the EPLI fee is bundled into your Justworks administrative fee. If you are a legacy customer, please reach out to your Customer Success Manager or our 24/7 Customer Support Team (support@justworks.com) if you have any questions about your current EPLI fee.

I have a potential EPLI claim. What do I do now?

If an incident occurs that may give rise to a claim under Justworks' EPLI policy, email your Justworks Customer Success Manager or our 24/7 Support Team(support@justworks.com) right away.

Please note that compliance with the terms of our customer service agreement, including cooperating with Justworks and timely notifying Justworks of a claim, is a condition of coverage under our EPLI policy. Please ensure to review your customer service agreement and familiarize yourself with these obligations.

Your customer service agreement can be found in the Justworks' Documents Center within the "Other Documents from Justworks" folder. If you cannot find it, please contact your Justworks Customer Success Manager or our 24/7 Support Team for help.

A note about coverage

Coverage under Justworks' EPLI policy is on a claims-made basis. That means that the policy only applies to claims made, submitted, and arising from events occurring during the term of the customer service agreement.

If you are joining Justworks and already have EPLI coverage, you should contact your insurance broker about your options and next steps.

Can my company maintain its own EPLI policy along with Justworks’ EPLI policy?

Yes! In fact, there are some potential benefits to having your own policy in addition to the basic coverage provided under Justworks’ EPLI policy:

• You might want more or additional coverage:  Your policy might provide coverage for claims that are not covered by Justworks’ EPLI policy (like third-party discrimination claims, and wage and hour claims).
• Flexibility:  You can control things like claim limits and retention/deductible.
• You can avoid gaps in coverage: You can ensure that you have coverage for claims that are made, submitted, or arise from events that occur outside the term of your customer service agreement.
  

If you decide to maintain your own EPLI in addition to your Justworks policy, Justworks’ EPLI policy would be in excess of any EPLI coverage that is purchased by your company, and coverage would be triggered only after your policy’s retention/deductible and policy limits are met. Any EPLI insurance purchased by your company would need to be purchased as primary coverage in order to avoid any gap in coverage.

You should consult with an insurance broker to determine whether obtaining the your own EPLI policy is suitable for your company. Justworks is not an insurer and does not provide insurance or legal advice.

How do I get proof of Justworks’ EPLI coverage?

If you would like a copy of Justworks’ EPLI certificate of insurance (COI), please reach out to your Customer Success Manager or our 24/7 Support team to request a copy.

Disclaimer

Justworks is not an insurance provider and does not provide legal or tax advice. This summary is only a general description of Justworks’ applicable EPLI policy and does not contain complete terms, conditions, limitations, definitions, and exclusions. If there is any discrepancy between the policy and this description, the provisions of the policy will determine coverage. Coverage is (i) subject to the terms, conditions, and exclusions set forth in the applicable policy in effect at the time of the claim and (ii) conditioned on the customer’s compliance with Justworks’ service agreement(s) and all applicable policies and procedures of Justworks.