Employment Practices Liability

Start business insurance quoteLawsuits against employers are on the rise. Companies are vulnerable from the pre-hiring process through the exit interview, even if the employee was never hired, or was only at the company for a few days.

It can happen to any company, large or small. We’ve all had some experiences with it:  a joke told in the break room, an employee you had to fire, a “friendly” programmer or that person you chose not to hire.  Every employer faces the reality that they will be the target of legal action from past, present and prospective employees. Even if the claim is groundless or fraudulent, the defense of a suit can be expensive in time, resources and financially.

Employment practices liability insurance (EPLI) provides protection for an employer against claims made by past, present and potential employees.  Common examples of employee related claims include:

• Discrimination
• Wrongful discharge
• Sexual harassment
• Hostile working environment
• Wrongful termination
• Lack of advancement

EPLI covers your firm, including its directors and officers and pays damages, up to the policy’s limits, for which an employer is legally liable for violating an employee’s civil or other legal rights. In addition, it also provides for legal defense costs, which can be substantial even where there has been no wrongdoing.

We can help you determine the most appropriate, cost-effective way to address your company’s specific risks and needs.

To get a free quote, either complete our online business insurance quote form or call us at 800-922-8381.