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Employment Practices Liability

In the best of times it can be complicated to deal with employees and job applicants. During economic downturns, the routine of hiring, firing, employee evaluations, and discipline can create major legal headaches. Unfortunately, when they do occur, your regular general liability coverage does not handle them.

You should seriously consider your need for Employment Practices Liability Insurance. Employee-related allegations and lawsuits against employers are rising. Such incidents often involve tremendous legal expenses. Is that something your business can comfortably handle?

Employment Practices Liability Insurance is available for the legal costs to defend claims against sexual harassment, wrongful termination and discrimination, and the indemnity awards for such acts. The coverage is known by various titles through a number of insurers. Employment-related practices liability (ERPL) employment practices liability insurance (EPLI), management risk protection, employers errors and omissions, and Americans with Disabilities Act (ADA) insurance would all provide similar protection. Many policies cover employees as additional insureds or can be endorsed to do so. Coverage for the intentional illegal actions by individuals are often excluded but protection may be provided for allegations of an employer not taking action it should have taken regarding that employee’s actions.

Impetus for this coverage started with public interest in the allegations made by Anita Hill during the confirmation hearings of Supreme Court Justice Clarence Thomas. Changes in federal and state laws, such as the Americans with Disabilities Act and the Civil Rights Act of 1991, resulted in increased consumer awareness of sexual harassment and discrimination in the workplace.Most policies provide limits ranging from as low as $25,000 per claim up to $1 million. Policies may cover employees as additional insureds.

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We can evaluate your business’s needs and find a policy that offers the best possible protection against employment related claims.

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