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⚖️ '''Harassment claim''' in the insurance context refers to a demand for coverage or compensation arising from allegations of workplace harassment — including sexual harassment, hostile work environment, or discriminatory conduct — typically triggering [[Definition:Employment practices liability insurance (EPLI) | employment practices liability insurance (EPLI)]] policies. These claims can be filed by employees, former employees, or third parties against an organization and its leadership, and they represent a significant and growing segment of [[Definition:Liability insurance | liability]] exposure for businesses of all sizes.

🔍 When a harassment claim surfaces, the affected employer notifies its [[Definition:Insurance carrier | carrier]] under the relevant EPLI or [[Definition:Directors and officers insurance (D&O) | directors and officers (D&O)]] policy. The insurer evaluates whether the alleged conduct falls within the policy's [[Definition:Coverage | coverage]] terms, checks applicable [[Definition:Exclusion | exclusions]] — such as those for intentional criminal acts or punitive damages in certain jurisdictions — and assigns [[Definition:Defense counsel | defense counsel]] if the claim proceeds to litigation or regulatory investigation. [[Definition:Claims management | Claims management]] for harassment allegations is particularly sensitive: mishandling can amplify reputational harm, invite regulatory scrutiny, and increase [[Definition:Settlement | settlement]] costs. Carriers experienced in this space often coordinate with specialized employment law firms and crisis communications professionals to contain exposure.

🏢 Rising awareness of workplace misconduct has driven a sustained increase in harassment-related filings, pushing insurers to tighten [[Definition:Underwriting | underwriting]] standards for EPLI. Many carriers now evaluate an applicant's internal reporting mechanisms, anti-harassment training programs, and corporate governance practices before quoting coverage. [[Definition:Premium | Premiums]] can climb sharply for organizations with prior harassment claims or industries with elevated frequency, such as hospitality and entertainment. For insurers, the broader trend underscores the importance of pricing [[Definition:Social inflation | social inflation]] into their models — juries have awarded increasingly large verdicts in harassment cases, and the reputational dimension of these claims often pressures employers into substantial pre-trial settlements.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Employment practices liability insurance (EPLI)]]
* [[Definition:Directors and officers insurance (D&O)]]
* [[Definition:Social inflation]]
* [[Definition:Liability insurance]]
* [[Definition:Claims management]]
* [[Definition:Third-party liability]]
{{Div col end}}

Definition:Harassment claim - Revision history

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