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FAQs About Employment Practice Liabilities


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FAQs About Employment Practice Liabilities

Related to: Claims, Employment Practices Liability Coverage

CRICO has had an Association Liability (AL) program for over 25 years. However, in recent years the employment practice liability (EPL) portion has seen a significant risk in activity. Peruse this list to find answers to common questions about this program. You can also refer to our EPL Home page to learn even more.

For more information you can contact:

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Q: What coverages does CRICO’s Association Liability (AL) policy include?


  1. Employment Practices Violations coverage: Responds to allegations of wrongful acts arising from the employment process
  2. Directors and Officers (D&O) coverage: Responds to allegations of wrongful acts arising from decisions of board of directors and officers
  3. Errors and Omissions (E&O) coverage: Responds to allegations of negligence in the provision non-medical professional services where the CRICO-insured organization is a signatory party to the contract

Q: Does CRICO require its members to purchase Association Liability (AL) coverage?


No. AL coverage is optional; however, it is purchased by the majority of our members.

Q: What are some examples of EPL-related allegations covered by CRICO’s Association Liability policy?


  • Discrimination: including but not limited to age, race, national origin, sex, religion, disability, pregnancy
  • Retaliation
  • Harassment, including sexual harassment
  • Wrongful termination

Q: What is CRICO doing to address EPL-related risks?


CRICO is working to understand member’s EPL vulnerabilities, educate member stakeholders regarding EPL coverage and risks, convene member representatives to develop best practices, analyze and share claims data, and develop an EPL taxonomy that will allow for a deeper understanding of the driver of EPL claims.

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