Chubb Employment Practices Liability Insurance

Chubb underwrites Employment Practices Liability (EPL) insurance as one of seven coverage parts within its ForeFront Portfolio, providing coverage aimed at private companies, not-for-profit organizations and healthcare organizations. ¹Company-reportedForeFront Portfolio EPL product sheet.

Chubb's EPL product sheet states that insurance is provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. ¹Company-reportedProduct sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.

Chubb says the policy covers EPL claims brought by past, present and prospective employees and independent contractors, uses a broad definition of "Employment Practices Wrongful Act," and includes early-engagement expense coverage for pre-matter and pre-tender expenses or early-settlement opportunity costs. ¹Company-reportedCoverage Highlights list; subject to the policy as issued.

Chubb says the EPL form builds in defense-provision optionality, including a Duty to Defend by Chubb option, and coverage for a written request to toll or waive a statute of limitations. ¹Company-reportedCoverage Highlights list.

The reviewed product sheet illustrates claim scenarios (settlements ranging from under $1 million to $350,000, with defense costs shown separately) but does not publish specific policy limits or retentions. ¹Not found in reviewed sourcesClaims Scenarios section; illustrative examples, not policy terms.

Chubb says EPL policyholders get access to ChubbWorks, a free online resource with loss-prevention tools for employment and employee issues, and integrated global coverage capabilities through Chubb's affiliated broker network for locally admitted policies where permissible. ¹Company-reportedCoverage Highlights list; company-described service program.

Employment Practices Liability coverage is placed as part of the ForeFront Portfolio through an appointed agent or broker. ²Company-reportedForeFront Portfolio hub page describes Marketplace quoting for the portfolio generally.