What Insurance Covers Wage And Hour Claims?
EPLI may pay defense costs for some wage-and-hour claims, but policies commonly exclude unpaid wages and other compensation.
Some policy forms offer that narrow carve-back while excluding the underlying pay obligation.
Before buying EPLI, ask for the exact wage-and-hour wording and the defense sublimit, retention, and exclusions. A carrier specimen shows one form’s terms; compare the wording attached to your quote.
