Employment Practices Liability Insurance 101
Understand and be able to explain EPL: when do organizations need it, how does it work, what are the key exposures and coverage options; as well as a look at current trends and issues.
This course is approved for 2HR CE Credits for BC, AB, SK, MB and ON (technical).
By the time you’ve completed this course you’ll be equipped to:
Explain what Employment Practices Liability insurance is, why it’s important and who needs it
Determine who and what is covered, and what is not covered by EPLI
Illustrate how third-party EPLI works
Describe what happens in the event of an EPLI claim
Advise on current trends and what to keep in mind when buying EPLI
Welcome to Employment Practices Liability Insurance 101 ("EPLI 101")
Course Resources
Introduction & Objectives
What is EPLI?
Who's an injured party?
Key Coverages in EPLI
The evolving nature of employment practices liability
How jurisdictional differences impact EPLI
Quiz - The Basics of EPLI
How does EPLI coverage work? Introduction
Who is covered by an EPLI policy?
What is covered by EPLI?
What is covered? Discrimination & Harassment
What is covered? Dismissal & Retaliation
What is covered? Invasion of Privacy & Negligent Hiring
What is covered? Wage & Hour
What is covered? Third-Party EPLI
Moral Hazard
What is not covered by an EPLI policy?
Quiz - Understanding EPLI
EPLI Claims - Introduction
What constitutes a claim in EPLI? Elements of a claim
What is "wrongful act"?
What is "claim"?
What is "loss"?
When to report a claim?
Why should claims be reported as soon as practicable?
Key considerations on EPLI claims
Reporting a potential claim
How EPLI claims are handled?
Resolving EPLI Claims - Tribunals & Courts
Quiz - In the event of an EPLI claim
A Buyer's Guide to Employment Practices Liability - Introduction
What to do before buying EPLI?
Know why you need EPLI
Selecting an insurer
Understanding EPLI Basics: Stand-Alone or Combined Policy?
Understanding EPLI Basics: Policy Period, Extended Reporting Period & Geographical location
What to buy? A look at the insuring agreements in an EPLI policy
Policy declarations and general terms and conditions: Liability limits and sublimits
Policy declarations and general terms and conditions: retention or deductible
Policy declarations and general terms and conditions: Reporting and Notice
Policy declarations and general terms and conditions: Changes in Exposure and Cancellation
Policy declarations and general terms and conditions: Arbitration, Subrogation and Other Insurance
Policy declarations and general terms and conditions: Defence and Settlement
Policy declarations and general terms and conditions: Representation and Severability
Quiz - Buyers Guide
Current trends - Introduction
#MeToo Movement
Gender identity & washroom access
Cannabis legalization
Covid 19 Pandemic
Remote Working
Quiz - Current trends impacting EPLI
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