{"id":21220,"date":"2026-07-15T03:40:54","date_gmt":"2026-07-15T03:40:54","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21220"},"modified":"2026-07-15T03:54:24","modified_gmt":"2026-07-15T03:54:24","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aemployment-practices-liability-insurance-epli","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21220","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aEmployment Practices Liability Insurance (EPLI)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Employment Practices Liability Insurance (EPLI)<\/strong>\uff08<strong>\u96c7\u4f63\u884c\u4e3a\u8d23\u4efb\u4fdd\u9669<\/strong>\uff09\u662f Commercial Liability \u4e2d\u7684\u91cd\u8981\u9669\u79cd\uff0c\u4e5f\u662f <strong>RIBO Commercial Insurance<\/strong> \u5e38\u89c1\u8003\u70b9\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4ec0\u4e48\u662f EPLI\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">EPLI \u4fdd\u969c\u7684\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u96c7\u4e3b\u56e0\u96c7\u4f63\u884c\u4e3a\uff08Employment Practices\uff09\u800c\u88ab\u5458\u5de5\u6216\u6c42\u804c\u8005\u8d77\u8bc9\u65f6\u6240\u4ea7\u751f\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u6765\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>EPLI = \u5458\u5de5\u544a\u8001\u677f\uff08Employer vs Employee\uff09<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">EPLI \u8d54\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6cd5\u5f8b\u8fa9\u62a4\u8d39\u7528\uff08Legal Defence Costs\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u548c\u89e3\u8d39\u7528\uff08Settlement\uff09<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; \u6cd5\u9662\u5224\u51b3\u8d54\u507f\uff08Damages\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u6700\u5e38\u89c1\u7684\u7d22\u8d54\u539f\u56e0\uff08RIBO \u9ad8\u9891\uff09<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">1. Wrongful Dismissal\uff08\u975e\u6cd5\u89e3\u96c7\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u88ab\u89e3\u96c7\u540e\u8ba4\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6ca1\u6709\u5408\u7406\u7406\u7531<\/li>\n\n\n\n<li>\u6ca1\u6709\u5408\u7406\u901a\u77e5\uff08Reasonable Notice\uff09<\/li>\n\n\n\n<li>\u6ca1\u6709\u9002\u5f53\u8d54\u507f<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8e\u662f\u8d77\u8bc9\u516c\u53f8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI \u53ef\u63d0\u4f9b\u4fdd\u969c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. Discrimination\uff08\u5c31\u4e1a\u6b67\u89c6\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u62d2\u7edd\u5f55\u7528\u67d0\u4f4d\u6c42\u804c\u8005\uff0c\u56e0\u4e3a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5e74\u9f84\uff08Age\uff09<\/li>\n\n\n\n<li>\u6027\u522b\uff08Gender\uff09<\/li>\n\n\n\n<li>\u79cd\u65cf\uff08Race\uff09<\/li>\n\n\n\n<li>\u5b97\u6559\uff08Religion\uff09<\/li>\n\n\n\n<li>\u6b8b\u75be\uff08Disability\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u6216\u6c42\u804c\u8005\u63d0\u51fa\u8bc9\u8bbc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI \u53ef\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. Sexual Harassment\uff08\u6027\u9a9a\u6270\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3b\u7ba1\u957f\u671f\u9a9a\u6270\u5458\u5de5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u8d77\u8bc9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u516c\u53f8<\/li>\n\n\n\n<li>\u7ba1\u7406\u5c42<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI \u901a\u5e38\u63d0\u4f9b\u4fdd\u969c\uff08\u5177\u4f53\u53d6\u51b3\u4e8e\u4fdd\u5355\u6761\u6b3e\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. Workplace Harassment\uff08\u804c\u573a\u9a9a\u6270\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u957f\u671f\u8a00\u8bed\u4fae\u8fb1\u3001<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9738\u51cc\uff08Bullying\uff09\u3001<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7cbe\u795e\u9a9a\u6270\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u8d77\u8bc9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Retaliation\uff08\u62a5\u590d\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u4e3e\u62a5\u5b89\u5168\u8fdd\u89c4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u677f\u968f\u540e\u628a\u4ed6\u5f00\u9664\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u8ba4\u4e3a\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u88ab\u62a5\u590d\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8e\u662f\u8d77\u8bc9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. Failure to Hire \/ Promote\uff08\u62d2\u7edd\u5f55\u7528\u6216\u664b\u5347\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u8ba4\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5df1\u6ca1\u6709\u83b7\u5f97\u664b\u5347\uff0c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\u662f\u5e74\u9f84\u6b67\u89c6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d77\u8bc9\u516c\u53f8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; EPLI\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">EPLI \u4e0d\u8d54\u4ec0\u4e48\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u4e0d\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Bodily Injury<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5458\u5de5\u53d7\u4f24\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Workers&#8217; Compensation<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Property Damage<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Intentional Criminal Acts<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6545\u610f\u72af\u7f6a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; Workers&#8217; Compensation Benefits<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5de5\u4f24\u8d54\u507f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e Workers&#8217; Compensation\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">EPLI vs D&amp;O\uff08RIBO \u9ad8\u9891\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u8003\u9898\u90fd\u4f1a\u6df7\u6dc6\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>EPLI<\/th><th>D&amp;O<\/th><\/tr><\/thead><tbody><tr><td>\u5458\u5de5\u544a\u516c\u53f8<\/td><td>\u80a1\u4e1c\u544a\u8463\u4e8b<\/td><\/tr><tr><td>Employment Practices<\/td><td>Management Decisions<\/td><\/tr><tr><td>Wrongful Dismissal<\/td><td>Wrongful Management<\/td><\/tr><tr><td>Harassment<\/td><td>Breach of Fiduciary Duty<\/td><\/tr><tr><td>Discrimination<\/td><td>Misrepresentation<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u53e5\u8bdd\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>EPLI = Employee sues Employer<\/strong><br><strong>D&amp;O = Shareholder sues Directors<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">EPLI vs E&amp;O<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>EPLI<\/th><th>E&amp;O<\/th><\/tr><\/thead><tbody><tr><td>\u96c7\u4f63\u7ea0\u7eb7<\/td><td>\u4e13\u4e1a\u670d\u52a1\u9519\u8bef<\/td><\/tr><tr><td>\u5458\u5de5\u8d77\u8bc9<\/td><td>\u5ba2\u6237\u8d77\u8bc9<\/td><\/tr><tr><td>HR \u95ee\u9898<\/td><td>Advice \u95ee\u9898<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">EPLI vs CGL<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>EPLI<\/th><th>CGL<\/th><\/tr><\/thead><tbody><tr><td>Employment Lawsuits<\/td><td>Accidents<\/td><\/tr><tr><td>Wrongful Dismissal<\/td><td>Slip &amp; Fall<\/td><\/tr><tr><td>Discrimination<\/td><td>Bodily Injury<\/td><\/tr><tr><td>Harassment<\/td><td>Property Damage<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u4f8b\u9898<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An employee sues the company after being terminated, claiming wrongful dismissal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which insurance would MOST likely respond?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. EPLI<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. E&amp;O<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Property<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u5178\u578b\u7684 Employment Practices Claim\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A shareholder alleges that the directors made poor financial decisions that reduced the company&#8217;s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which policy responds?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. EPLI<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">B. D&amp;O<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Crime<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u80a1\u4e1c\u544a\u8463\u4e8b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 3\uff08\u9677\u9631\u9898\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A customer slips on a wet floor inside a retail store.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which policy responds?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. EPLI<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. D&amp;O<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. CGL<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. E&amp;O<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c5e\u4e8e\u516c\u4f17\u8d23\u4efb\uff08Premises Liability\uff09\uff0c\u4e0d\u662f\u96c7\u4f63\u7ea0\u7eb7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u9898 4\uff08\u7efc\u5408\u9898\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An insurance broker forgets to add Sewer Backup Coverage requested by the client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Which policy responds?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. EPLI<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. D&amp;O<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-bright-red-color\">C. E&amp;O<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Crime<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e13\u4e1a\u670d\u52a1\u4e2d\u7684\u9057\u6f0f\uff08Omission\uff09\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u56db\u5927 Liability \u9669\u79cd\u901f\u8bb0<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9669\u79cd<\/th><th>\u8c01\u8d77\u8bc9\u8c01\uff1f<\/th><th>\u5173\u952e\u8bcd<\/th><\/tr><\/thead><tbody><tr><td><strong>E&amp;O<\/strong><\/td><td>Client \u2192 Professional<\/td><td>Professional Negligence\uff08\u4e13\u4e1a\u758f\u5ffd\uff09<\/td><\/tr><tr><td><strong>D&amp;O<\/strong><\/td><td>Shareholder \u2192 Directors<\/td><td>Wrongful Management\uff08\u7ba1\u7406\u51b3\u7b56\uff09<\/td><\/tr><tr><td><strong>EPLI<\/strong><\/td><td>Employee \u2192 Employer<\/td><td>Employment Practices\uff08\u96c7\u4f63\u884c\u4e3a\uff09<\/td><\/tr><tr><td><strong>CGL<\/strong><\/td><td>Third Party \u2192 Business<\/td><td>Bodily Injury \/ Property Damage\uff08\u610f\u5916\u4e8b\u6545\uff09<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u4e00\u53e5\u8bdd\u53e3\u8bc0<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Advice \u2192 E&amp;O<\/strong>\uff08\u5ba2\u6237\u544a\u4e13\u4e1a\u4eba\u58eb\uff09<br><strong>Management \u2192 D&amp;O<\/strong>\uff08\u80a1\u4e1c\u544a\u8463\u4e8b\uff09<br><strong>Employment \u2192 EPLI<\/strong>\uff08\u5458\u5de5\u544a\u96c7\u4e3b\uff09<br><strong>Accident \u2192 CGL<\/strong>\uff08\u7b2c\u4e09\u65b9\u56e0\u610f\u5916\u7d22\u8d54\uff09<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">\u8003\u8bd5\u6280\u5de7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u770b\u5230\u9898\u76ee\u65f6\uff0c\u5148\u95ee\u81ea\u5df1\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u662f\u8c01\u8d77\u8bc9\u8c01\uff1f<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u5ba2\u6237\u544a\u4fdd\u9669\u7ecf\u7eaa \u2192 <strong>E&amp;O<\/strong><\/li>\n\n\n\n<li>\u80a1\u4e1c\u544a\u8463\u4e8b \u2192 <strong>D&amp;O<\/strong><\/li>\n\n\n\n<li>\u5458\u5de5\u544a\u96c7\u4e3b \u2192 <strong>EPLI<\/strong><\/li>\n\n\n\n<li>\u987e\u5ba2\u3001\u8bbf\u5ba2\u6216\u7b2c\u4e09\u65b9\u56e0\u53d7\u4f24\u6216\u8d22\u4ea7\u53d7\u635f\u544a\u4f01\u4e1a \u2192 <strong>CGL<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u601d\u8def\u80fd\u5e2e\u52a9\u4f60\u5feb\u901f\u9501\u5b9a\u6b63\u786e\u7b54\u6848\uff0c\u4e5f\u662f RIBO Commercial Liability \u6700\u5e38\u89c1\u7684\u51fa\u9898\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21220\" class=\"pvc_stats all  \" data-element-id=\"21220\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Employment Practices Liability Insurance (EPLI)\uff08\u96c7\u4f63\u884c\u4e3a\u8d23\u4efb\u4fdd\u9669\uff09\u662f Commercial Liability \u4e2d\u7684\u91cd\u8981\u9669\u79cd\uff0c\u4e5f\u662f RIBO Commercial Insurance \u5e38\u89c1\u8003\u70b9\u3002 \u4ec0\u4e48\u662f EPLI\uff1f EPLI \u4fdd\u969c\u7684\u662f\uff1a \u96c7\u4e3b\u56e0\u96c7\u4f63\u884c\u4e3a\uff08Employment Practices\uff09\u800c\u88ab\u5458\u5de5\u6216\u6c42\u804c\u8005\u8d77\u8bc9\u65f6\u6240\u4ea7\u751f\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002 \u7b80\u5355\u6765\u8bf4\uff1a EPLI = \u5458\u5de5\u544a\u8001\u677f\uff08Employer vs Employee\uff09 EPLI \u8d54\u4ec0\u4e48\uff1f \u901a\u5e38\u5305\u62ec\uff1a &#x2705; \u6cd5\u5f8b\u8fa9\u62a4\u8d39\u7528\uff08Legal Defence Costs\uff09 &#x2705; \u548c\u89e3\u8d39\u7528\uff08Settlement\uff09 &#x2705; \u6cd5\u9662\u5224\u51b3\u8d54\u507f\uff08Damages\uff09 \u6700\u5e38\u89c1\u7684\u7d22\u8d54\u539f\u56e0\uff08RIBO \u9ad8\u9891\uff09 1. Wrongful Dismissal\uff08\u975e\u6cd5\u89e3\u96c7\uff09 \u4f8b\u5982\uff1a \u5458\u5de5\u88ab\u89e3\u96c7\u540e\u8ba4\u4e3a\uff1a \u4e8e\u662f\u8d77\u8bc9\u516c\u53f8\u3002 &#x1f449; EPLI \u53ef\u63d0\u4f9b\u4fdd\u969c\u3002 2. Discrimination\uff08\u5c31\u4e1a\u6b67\u89c6\uff09 \u4f8b\u5982\uff1a \u516c\u53f8\u62d2\u7edd\u5f55\u7528\u67d0\u4f4d\u6c42\u804c\u8005\uff0c\u56e0\u4e3a\uff1a \u5458\u5de5\u6216\u6c42\u804c\u8005\u63d0\u51fa\u8bc9\u8bbc\u3002 &#x1f449; EPLI \u53ef\u8d54\u3002 3. &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21220\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aEmployment Practices Liability Insurance (EPLI)&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21220\" class=\"pvc_stats all  \" data-element-id=\"21220\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[196,157,156],"class_list":["post-21220","post","type-post","status-publish","format-standard","hentry","category-155","tag-epli","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":1,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21220","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21220"}],"version-history":[{"count":5,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21220\/revisions"}],"predecessor-version":[{"id":21225,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21220\/revisions\/21225"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21220"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21220"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21220"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}