When an employee has a problem with their employer, the employer needs to be able to protect themselves financially. Employment practices liability insurance helps to protect an organization when they're facing claims of discrimination, sexual harassment, wrongful termination, failure to promote/hire, acts against American’s with disabilities and a range of other issues. When you need to defend your company, your insurance coverage will help with the legal costs, defense and remedy to ensure you are able to respond to any claims as quickly as possible. Claims are initially filed with the Equal Employment Opportunity Commission (EEOC) or other federal, state & local agencies. Civil litigation is often filed after these proceedings on all levels (federal, state and local).