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.

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