Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI)

Unfortunately, these are very litigious times. Contrary to what many employers think, engaging in sound employment practices won’t necessarily protect them from complaints and lawsuits. Even the most frivolous claim can be very costly to defend. Without the proper protection, the financial ramifications of a lawsuit can be devastating to your business.

Employment Practices Liability Insurance (EPLI) provides defense and indemnity protection against claims arising from the employer/employee relationship. This coverage shields employers, plus all current, former, and prospective employees, directors, officers, even the corporate entity, against a broad spectrum of employment-related claims.

With a wide range of policy limits for EPLI available, a West Bend policy provides coverage for:

Any actual or alleged act of “harassment,” “discrimination,” or wrongful dismissal, discharge, or termination (either actual or constructive of employment)

Employment-related misrepresentation, libel, slander, humiliation, defamation, or invasion of privacy

Wrongful failure to employ or promote

Wrongful deprivation of career opportunity, wrongful demotion, or negligent evaluation

Wrongful discipline

Vicarious liability for intentional acts

Punitive damages (where insurable by law)

Coercion or humiliation as a consequence of race, marital status, gender, age, physical and/or mental impairments, pregnancy, sexual orientation, or any other protected class or characteristic established by any applicable federal, state, or local statue

These critical coverages are included:

Defense costs outside the policy limits (for most risks)

Third-party liability coverage (for most risks)

Insured option to select an attorney (with approval)

Defense expenses (up to limit) arising from alleged violations of the Fair Labor Standards Act (wage and hour)

Leased employees as insureds

Volunteers covered as “employees”

Contact one of our independent insurance agencies to learn more or to get a quote for EPLI insurance coverage.