Employment Practices Liability

Stand-Alone Coverages

The Hartford Employers Premier Choice PolicySM

Target: All risks from small publicly traded companies to Fortune 500 corporations.
 
Employment law is constantly changing and now, more than ever, employees and prospective employees are more keenly aware of their rights in the workplace. Increased merger and acquisition activity, cost-cutting measures and a general reduction in the workforce of many companies have resulted in a rising number of employment-related charges and lawsuits.
 
Even companies with sound employment policies and procedures, a commitment to diversity and good relations with employees are experiencing lawsuits alleging discrimination, harassment, wrongful termination or other employment-related allegations. Regardless of whether or not these claims are justified or meritorious, they mean that companies must defend themselves. This process can be time-consuming and expensive.
 
The Hartford offers “stand-alone” Employment Practices Liability coverage for employment-related allegations, such as employment discrimination, sexual or other workplace harassment, wrongful dismissal, discharge and termination, retaliation and other workplace torts.
 

New Business Applications

Renewal Applications

Forms

 

Marketing Materials

Package Policies

Private Choice PremierSM

Target: Most classes of privately-held, for-profit companies (excluding, e.g., financial services) will qualify for one or more coverage parts.
 
Privately-held companies are not sheltered from management liability exposures. No matter the precautions taken there’s risk inherent in everyday operations. To help address this risk, The Hartford offers employment practices liability coverage as part of Private Choice PremierSM – a modular product with up to five coverage parts:
 
Flexible coverage that works with business exposures and needs:
  • Flexibility to select up to five coverage parts
  • Purchase a separate limit of liability for each liability coverage part or a single aggregate limit for all liability coverage parts
  • Select different limits for each coverage part

New Business Applications

Renewal Applications

Supplemental Applications

Forms

Marketing Materials

 

Private Choice Encore® for Healthcare Organizations

Target: Healthcare organizations providing services in both the outpatient and inpatient settings.
 
In keeping pace with today's complex healthcare environment, healthcare organizations of all kinds face significant exposures related to management liability. The Hartford is a leader in providing management liability coverage and understands the nuances and risks inherent in today’s legal environment for outpatient and inpatient healthcare service providers. From employment-related lawsuits to employee theft and everyday management decisions – as well as navigating today’s rapidly changing healthcare business landscape – healthcare organizations need an industry-specific product to contain their organizational liability.
 
Designed to meet the unique needs of a broad range of private healthcare organizations, Private Choice Encore for Healthcare Organizations can include the following coverage in one package policy form:
 
Policy features
 
  • Flexibility to select up to five coverage parts
  • Purchase a separate limit of liability for each liability coverage part or a single aggregate limit for all liability coverage parts
  • Select different limits for each coverage part

New Business Applications

 

Renewal Applications

 

Marketing Materials & Forms

Private Choice PremierSM for Nonprofit Organizations

*Effective 4/1/17
 
Target: A broad range of not for profit organizations (excluding, e.g., healthcare, condo/HOA and churches) will qualify for one or more coverage parts.
 
Nonprofit organizations are not sheltered from management liability exposures. No matter the precautions taken there's risk inherent in everyday operations. To help address this risk, The Hartford offers a modular product with up to five coverage parts as part of Private Choice PremierSM:
 

The Hartford Asset Management ChoiceSM Policy

Target: Asset managers, including private registered investment advisers, hedge funds, mutual funds and other wealth management firms and advisers.
 
The Hartford Asset Management ChoiceSM Policy offers investment firms the ability to design coverage by electing all or a combination of investment adviser professional liability, directors and officers liability, investment company directors and officers liability and investment company professional liability, and affiliated service provider liability. The Policy helps protect investment advisers, mutual fund directors/trustees and hedge funds against claims resulting from wrongful acts specific to their industry - whether they arise in the provision of professional services or involve other emergent areas of risk, such as cyber.
 
Combined with our Middle Market standard lines solutions (Property, General Liability, Commercial Auto, Workers’ Compensation and International coverage), The Hartford provides investment advisers with the broad protection they need and the service they deserve.
 

Applications

Forms

Marketing Materials

Excess Coverage

The Hartford Premier ExcessSM Policy

Target: Public and private organizations of all sizes
 
In today's challenging environment, seamless excess coverage is particularly important for managing enterprise, legal and regulatory risks. The Hartford’s new simple, follow form Premier ExcessSM Policy provides market-leading protection to help streamline your process for placing excess coverage over most management and professional liability products, including:
 
Policy highlights include:

  • A concise one-sentence follow form insuring agreement;
  • Streamlined exhaustion wording; and
  • Less excess baggage, with a limited number of provisions;
  • User-friendly form saves you time and helps streamline your process
  • Excess Crime (Fidelity) coverage is available through The Hartford Universal Excess® Simplified Policy.
As an added benefit, this coverage is underwritten by the same knowledgeable underwriter who would handle the primary coverage.
 

Find a Financial Professional Underwriter

For all other products: