Which of the following is NOT typically excluded under an EPLI policy?

The statement that claims for wage and hour violations are typically not excluded under an Employment Practices Liability Insurance (EPLI) policy is accurate. EPLI policies are designed to cover claims made by employees against their employers for various employment-related issues, including wrongful termination, discrimination, sexual harassment, and other workplace disputes.

Wage and hour violations, which often refer to issues such as overtime pay, minimum wage requirements, and improper payroll practices, can fall under the broader category of employment-related claims. Many EPLI policies include coverage for these types of claims, recognizing the importance of addressing wage-related disputes in the workplace.

On the other hand, aspects such as fraudulent actions, contractual liabilities, and claims related to prior events are often excluded from EPLI coverage. Fraudulent actions pertain to deliberate misconduct, which insurers typically do not cover because they involve intentional wrongdoing. Contractual liabilities can raise complexities regarding the responsibilities that an employer has agreed to under employment contracts, leading to exclusions in the policy. Lastly, claims related to prior events would fall under the timeframe of known or anticipated issues that could affect the claim, thus typically excluded to avoid covering pre-existing conditions.

Understanding the nuances of what EPLI covers and excludes is crucial for businesses to ensure they have adequate protection against