EMPLOYMENT-RELATED PRACTICES COVERAGE
is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the indemnity awards for such acts. The coverage is known by various titles through a number of insurers. Employment-related practices liability (ERPL), employment practices liability insurance (EPLI), management risk protection, employers errors and omissions, and Americans with Disabilities Act (ADA) insurance would all provide similar protection. Many policies cover employees as additional insureds or can be endorsed to do so. Coverage for the intentional illegal actions by individuals are often excluded but protection may be provided for allegations of an employer not taking action it should have taken regarding that employee's actions.