Does D&O Cover Employment Lawsuits?

D&O insurance can respond to claims against directors or officers for alleged conduct in their leadership roles, and some forms address employment practices. Triple-I notes that D&O policies may include or be broadened to include EPL coverage, while EPLI can also be purchased separately. Do not assume a management-liability label includes an adequate employment limit: the coverage may be absent, endorsed, shared with D&O, or subject to different exclusions and retentions. Check the D&O declarations and employment-practices endorsement, who is insured, whether the company is covered, the EPL sublimit, defense-cost erosion, and claim definitions. Compare a separate EPLI quote where employment claims could use up shared limits.