EPL policies cover liability arising from employment-related claims, such as employment discrimination, wrongful termination, sexual harassment, retaliation, breach of an employment agreement, violations of state and federal employment statutes, and employment-related torts. These policies may also provide coverage for misconduct toward third parties that mirrors the coverage for employee claims. Certain remedies common in the employment context, however, are generally not covered by EPL policies, such as past or future salary, wages, commissions, benefits, severance payments, and the cost of compliance with injunctive relief. The definition of “claim” in an EPL policy is critical to understanding when coverage is triggered. EEOC complaints and demand letters qualify as claims under many EPL policies.