Third-Party Employment Practices Claim (EPL)

A Third-Party Employment Practices Claim comes from someone who is not an employee. This is often a customer, client, supplier, visitor, or member of the public. They allege discrimination, harassment, or other misconduct by the insured's employees. Examples include a customer who alleges racial discrimination by retail staff, a supplier who alleges sexual harassment during a business dealing, or a client who alleges disability discrimination in the way a service was delivered. This cover extension exists because workplace conduct standards apply to dealings with third parties, not just to internal staff relationships. In Australia, anti-discrimination laws ban discriminatory conduct in the supply of goods and services. This can make a business liable for the conduct of its employees towards customers. Third-Party EPL cover responds to this risk. It pays defence costs and settlements for claims that arise from employee conduct directed at non-employees. Not all EPL policies include this extension. You should check for it specifically if you need protection against claims from customers or clients.

A Third-Party Employment Practices Claim comes from someone who is not an employee. This is often a customer, client, supplier, visitor, or member of the public. They allege discrimination, harassment, or other misconduct by the insured's employees. Examples include a customer who alleges racial discrimination by retail staff, a supplier who alleges sexual harassment during a business dealing, or a client who alleges disability discrimination in the way a service was delivered. This cover extension exists because workplace conduct standards apply to dealings with third parties, not just to internal staff relationships. In Australia, anti-discrimination laws ban discriminatory conduct in the supply of goods and services. This can make a business liable for the conduct of its employees towards customers. Third-Party EPL cover responds to this risk. It pays defence costs and settlements for claims that arise from employee conduct directed at non-employees. Not all EPL policies include this extension. You should check for it specifically if you need protection against claims from customers or clients.