Employment Practices Liability - $1M
What this clause says
Vendor shall maintain Employment Practices Liability insurance covering wrongful termination, discrimination, harassment, and retaliation claims, with limits of not less than $1,000,000 per claim and $1,000,000 in the aggregate.
What this means in plain English
EPLI covers employment-related claims by current, former, or prospective employees - discrimination, harassment, wrongful termination, retaliation, wage-and-hour violations (where insurable). It is a claims-made coverage with retroactive date considerations.
What it means for a CDMO program
Sponsor MSAs rarely require EPLI explicitly, but most life-sciences operators carry it for their own protection. Limits typically $1M-$5M depending on headcount. Wage-and-hour claims are increasingly common in Texas and often require explicit wage-and-hour endorsement coverage at sub-limits.
How this evaluates
The Decoder applies these rules in order; the first match wins.
- epli › limit is at least $1M → Compliant: EPLI meets $1M.
- epli › limit is not set → Borderline: No EPLI indicated - usually carried even when not required.
See this in your MSA
Map this clause against your sponsor MSA.
Run the DecoderRelated clauses
Common questions about this clause
- Which MSA clauses require additional insured status for products and completed operations?
- What insurance does a clinical lab need for laboratory-developed tests (LDTs)?
- How does a typical sponsor MSA insurance schedule read?
- How much cyber liability does a CRO handling PHI typically carry?
- How much umbrella (excess) liability does a life sciences company need?