Employment Practices Liability Insurance

Employment Practices Liability Insurance

Employment Practices Liability Insurance covers employment-related claims and provides an employer with protection against claims made by former employees, present, or even potential employees. Even if the claim against the employer is groundless, the defence of a lawsuit can be quite expensive.

Need for Employment Practices Liability Insurance

As soon as you start hiring employees, the need for this type of insurance begins. In fact, some directors and investors might also require you to carry this coverage as part of the Directors and Officers Insurance. Often times businesses may unintentionally cause a rule or law to be broken. It is these times that its important to have the proper coverage to protect your interests and assets.

Employment Practices Liability insurance covers

Workplace discrimination of any kind

Workplace harassment
Wrongful termination
Employment-related slander or libel
Emotional distress
Any other employment-related allegations

EPLI policies may or may not cover:

Fair Labor Standards Act Violations
Occupational Safety and Health Act Violations
State Employment Law Violations
Punitive Damages
Intentional Institutional Claims
Violation of Employee Retirement Income Security Act
Violation of Consolidated Omnibus Budget Reconciliation Act
Some Americans With Disabilities Act Claims

Employment Practices Liability insurance coverage must be tailored to meet the unique requirements and conditions of the state where the business has operations. Additional endorsements may be needed to cover operations in states having strong employee protection laws.

In California its essential to have EPLI coverage. With awards in the tens or hundreds of thousands of dollars, you must have protection for your business.

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