Employment Practices Liability Insurance 101

Employment Practices Liability Insurance 101

Understand and be able to explain EPLI: when do organizations need it, how does it work, what are the key exposures and coverages; as well as the current trends and issues in Canada and the USA.


What You Will Learn

Perils Covered
What is covered and not covered under an employment practices liability insurance policy, including real-world claims examples.
How to Buy
What do organizations need to do and know before buying employment practices liability insurance, questions to ask when securing this important coverage, and what to do in the event of a claim.
Jurisdictional Differences
Jurisdictional differences in employment standards and the impact this has on employment practices liability insurance.
Current Issues
Current issues impacting employment practices liability, the evolution of coverage, and and why this coverage should form an important part of risk management strategy.

Course Curriculum

Welcome to EPLI 101

  • Welcome to Employment Practices Liability Insurance 101 ("EPLI 101")
  • Course Resources

The Basics of Employment Practices Liability Insurance ("EPLI")

  • Introduction & Objectives
  • What is EPLI?
  • Who's an injured party? FREE PREVIEW
  • Key Coverages in EPLI
  • The evolving nature of employment practices liability FREE PREVIEW
  • How jurisdictional differences impact EPLI
  • Quiz - The Basics of EPLI

Understanding EPLI Coverage

  • How does EPLI coverage work? Introduction
  • Who is covered by an EPLI policy?
  • What is covered by EPLI?
  • What is covered? Discrimination & Harassment FREE PREVIEW
  • What is covered? Dismissal & Retaliation
  • What is covered? Invasion of Privacy & Negligent Hiring
  • What is covered? Wage & Hour
  • What is covered? Third-Party EPLI
  • Moral Hazard
  • What is not covered by an EPLI policy? FREE PREVIEW
  • Quiz - Understanding EPLI

In the event of an EPLI claim

  • EPLI Claims - Introduction
  • What constitutes a claim in EPLI? Elements of a claim
  • What is "wrongful act"?
  • What is "claim"?
  • What is "loss"?
  • When to report a claim?
  • Why should claims be reported as soon as practicable? FREE PREVIEW
  • Key considerations on EPLI claims
  • Reporting a potential claim
  • How EPLI claims are handled?
  • Resolving EPLI Claims - Tribunals & Courts
  • Quiz - In the event of an EPLI claim

A Buyer's Guide to EPLI

  • A Buyer's Guide to Employment Practices Liability - Introduction
  • What to do before buying EPLI?
  • Know why you need EPLI
  • Selecting an insurer
  • Understanding EPLI Basics: Stand-Alone or Combined Policy?
  • Understanding EPLI Basics: Policy Period, Extended Reporting Period & Geographical location
  • What to buy? A look at the insuring agreements in an EPLI policy
  • Policy declarations and general terms and conditions: Liability limits and sublimits
  • Policy declarations and general terms and conditions: retention or deductible
  • Policy declarations and general terms and conditions: Reporting and Notice
  • Policy declarations and general terms and conditions: Changes in Exposure and Cancellation
  • Policy declarations and general terms and conditions: Arbitration, Subrogation and Other Insurance
  • Policy declarations and general terms and conditions: Defence and Settlement
  • Policy declarations and general terms and conditions: Representation and Severability
  • Quiz - Buyers Guide

Current trends & implications on EPLI

  • Current trends - Introduction
  • #MeToo Movement
  • Gender identity & washroom access
  • Cannabis legalization
  • Covid 19 Pandemic
  • Remote Working
  • Quiz - Current trends impacting EPLI

Final Assessment, Course Survey and Certificate

  • Course Survey
  • Course Wrap Up
  • EPLI101 Final Assessment

About ITC Courses

ITC takes pride in delivering high quality, unbiased courses on professional and management liability insurance and related topics. Designed specifically for online delivery, our courses are interactive, include activities and quizzes, use practical illustrations and real-life case studies and deliver knowledge in bite-sized portions so even just 5 minutes is learning time well spent.

How we build courses

ITC courses are the product of a collaborative approach. We work closely with subject matter experts to build out course content, the ITC design team brings that content to life, and no course is published before undergoing an intense review by an industry panel. Our process also includes post-publication reviews and updates because ITC is committed to delivering quality courses that remain accurate, relevant and up-to-date, long after they are first published.


Insurance Brokerage, Canada

Very clear, concise content, delivered in an easy to understand way. Whether an industry vet or just starting out, you will learn something from this course- I did! It’s easy to see how this platform could complement any corporate training program. I’d thoroughly recommend ITC to any L&D manager.

Broker, Australia

ITC effectively tackles complex subject matters in a very creative manner. I would highly recommend to anyone looking to broaden their understanding.

Broker, Canada

Great way to enjoy an evolving subject matter. Thank you ITC, enjoyed that!

Broker, Australia

Tough topics. Beautifully presented.

Senior Underwriter, Canada

I’ve been in the industry for nearly 15 years and event I learned some things in this course! It’s a straightforward and intelligent way of presenting a complex issue. Not a small feat.

Everyone will find this course helpful, no doubt.

Broker, Canada

Most insurance courses are either pitched at people learning about the subject for the first time or jump straight into advanced topics. The ITC courses do a great job for all learners and I particularly liked the online format since you can either spend time starting from the beginning or quickly move on to the areas of most interest to you. The course material also went beyond insurance policy language – addressing risk management, claims processes, what buyers should consider, and more.

Frequently Asked Questions

Are there prerequisites for ITC courses?

With ITC, you can take any course at any time. For the best learning experience, a prerequisite may be recommended in the course description.

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We take pride in providing up-to-date relevant courses! ITC is committed to reviewing all course content at least once a year and making any necessary updates or additions to course materials.

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We provide a digital certificate of completion for all successfully completed courses.

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We offer a risk-free 30-day money-back guarantee on all our courses. If you are not happy with your ITC course purchase you have up to 30 days from your original date of purchase to contact ITC at learning@insurancetrainingcenter.com to request a full refund. All we ask is that you provide us with the reason for your refund request. It is feedback from clients like you that helps us to improve our courses.

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