If an association has employees, the board should make sure the association's insurance has an endorsement for Employment Practices Liability (EPL). This insurance defends the association in employer-employee disputes involving the following kinds of actions:

• discrimination
• sexual harassment
• negligent evaluation
• failure to employ or promote
• wrongful discipline
• intentional infliction of emotional distress
• wrongful termination

Third Party Claims. In addition, boards should ask for coverage against third-party claims. This protects the association if vendors were to sexually harass any of the association's employees and/or members.