Employment Practices Liability

Employment practices liability covers claims by employees and applicants alleging discrimination, harassment, retaliation, or wrongful termination. It is separate from workers compensation, which covers physical injury, and from the general liability program entirely.

Senior care is among the most employment-claim-exposed industries there is, for reasons built into the operating model: a large hourly workforce, high turnover, extensive use of discipline and termination, immigration-diverse staffing, and a mandatory-reporting environment that generates retaliation claims when staff who report concerns are later disciplined. Retaliation is the count to watch, because it can succeed even where the underlying complaint fails. Size the limit against headcount rather than revenue, and check the third-party coverage extension, which addresses harassment or discrimination claims brought by residents and families against staff, and is genuinely relevant in a residential care setting.