D&O vs EPLI: What’s the Difference?
D&O covers management claims; EPLI covers employment allegations such as discrimination, harassment, and wrongful termination.
When a suit names both the company and its leaders over a workplace decision, check each policy’s employment exclusion and any carve-back.
The lines may both be implicated when an employee sues the company and names a manager. EPLI is designed for employment allegations; D&O covers only claims fitting its management wrongful-act grant and may exclude employment conduct. Side A/B may address an eligible individual while EPLI can insure the employer, depending on the selected forms. Compare insured persons, third-party claims, wage-and-hour treatment, defense counsel, retentions, and whether the aggregate is shared. Look for employment exclusions in D&O and any EPLI endorsement that restores particular claims. Separate policies can still have notice and coordination requirements.
