Employment-Related Practices Exclusion
Excludes employment claims (wrongful termination, harassment) — belongs on an EPLI policy.
What it actually does
CG 21 47 excludes coverage for injury arising out of employment-related practices — refusal to employ, termination, and employment-related harassment, discrimination, defamation, or other such acts — directed at a person because of their employment. It applies whether the insured is liable as an employer or in any other capacity, and whether the injured party is the employee or someone else (such as a family member).
This is standard on modern CGLs. The CGL was never intended to cover employment-practices liability, which belongs on an EPLI (employment practices liability insurance) policy. For COI verification it almost never affects a subcontract requirement, because subcontracts care about bodily injury and property damage from the work, not the sub's HR practices.
Note its presence and move on, unless your contract specifically requires the sub to carry EPLI — in which case verify that separate policy rather than expecting the CGL to respond.
Verification checklist
- 01Recognize CG 21 47 as standard CGL boilerplate, not a coverage defect for construction risk.
- 02If the subcontract requires EPLI, verify a separate EPLI policy rather than relying on the CGL.
- 03Confirm the core construction endorsements (AI, waiver, completed ops) are present regardless.
Common mistakes
- ·Expecting the CGL to cover an employment claim — CG 21 47 excludes it; that's an EPLI exposure.
- ·Flagging CG 21 47 as a problem when it has no bearing on construction-risk compliance.
Frequently asked questions
What does CG 21 47 exclude?
Employment-related claims — wrongful termination, harassment, discrimination, and similar practices. These belong on an EPLI policy, not the CGL.
Does CG 21 47 affect my subcontract compliance?
Almost never — subcontracts care about bodily injury and property damage from the work, which CG 21 47 doesn't touch.
What covers employment claims instead?
Employment Practices Liability Insurance (EPLI). Require it separately if your contract demands it.
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Check a COI for CG 21 47 →Related endorsements
This page explains CG 21 47 in plain English for COI verification. It is informational only and is not legal or insurance advice — confirm the actual endorsement language and have your counsel or insurance agent review your specific requirements.