Employment Practices & Cyber Liability
Our EPL and Cyber coverage protects your business from the risks you can’t see—fraudulent emails, wire scams, and employee lawsuits. We include coverage for social engineering and wrongful termination where most programs leave gaps.
Claims Examples
EPL Scenario: A former employee claims they were passed over for promotion due to age and later terminated unfairly. Although the distributor had no intent to discriminate, the lack of documentation and perceived bias led to a lawsuit. Legal costs and settlement fees totaled over $120,000. EPL coverage protected the business from out-of-pocket loss.
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Cyber Scenario: A bookkeeper receives what appears to be a routine invoice from a known vendor. Trusting the format, they wire $85,000 to the account listed—only to learn it was a spoofed email. The money was gone, and the real vendor never received payment. Cyber coverage with social engineering protected the distributor against the financial loss.
