Employment Practices Liability Insurance (EPLI) protects employers from claims made by employees alleging wrongful termination, discrimination or harassment, including sexual harassment. EPLI coverage pays for liability damages and defense costs due to claims brought by full-time, temporary and seasonal employees.
It’s the first truly affordable way to protect a small business from losses that on average run from $22,400 to $40,500. The cost of an employment charge can damage a small business’ financial health or even threaten it altogether. That’s why EPLI coverage is essential.
In addition to broad coverage, experienced EPLI claim specialists are part of our program. Plus, employers who need legal representation have access to specialized employment attorneys. We also offer a loss prevention website with model employment practices and procedures, information about laws, and advice to help employers prevent or minimize employee complaints.
There are numerous federal and state laws under which employees may bring actions against their employers for allegations such as sexual harassment, discrimination and wrongful termination. Employees are aware of these laws and show a greater inclination to pursue legal rights and remedies. This, coupled with a sense of entitlement, has bred an atmosphere where employers are often forced to spend significant dollars for a legal defense to prove an employee’s groundless allegations are false.
Visit our Online Resources/Training section for a look at the valuable resources we offer.
EPL coverage protects small businesses from employment-related claims brought by employees, independent contractors, leased employees and even applicants for employment who are alleging discrimination, harassment (including sexual harassment), wrongful termination as well as other employment-related wrongful acts.
Our coverage also protects the Insured against charges of discrimination or sexual harassment brought by customers, clients or vendors against the business (optional).
Even the smallest of businesses need EPL coverage regardless of the class of business. No business is immune to a charge being brought against them in today’s litigious society, especially given the growing diversity in our workplaces and changing cultural and social trends.
Insureds are eligible with up to 50 full-time employees.
This coverage includes:
This coverage includes:
Optional Coverages to consider include: