As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
It’s easy to feel as if employing people is a legal minefield. This is mainly because there is so much potential for lawsuits over wrongful termination, harassment, discrimination and workplace conditions.
Employment practice liability insurance (or EPLI) covers the risk of having to payout such claims. EPLI policies often cover the business itself, as well as individuals like company directors. Employment practice liability insurance policies are usually written to cover cases that come out of unintentional actions (or failures to act) rather than deliberate acts of discrimination or other wrongful practice.
One question to ask an insurer is whether the costs of defending a claim in court count towards the payout limit for any damages. Also, look out for mention of a “claims made” basis–that’s insurance jargon that means you are only covered if the policy is active both when the alleged incident took place and when the employee makes the claim.
We can walk you through the various policies available to help determine if this type of insurance is a good fit for your business.
As an independent agency, we are here to help you find the right coverage.
The moment an incident occurs, our team is your first call. We take the wheel so you can focus on recovery, not paperwork.
We leverage deep carrier relationships and 30 years of claims experience to ensure you receive every dollar you're owed.
Our claims don't close until you're satisfied. We follow through to complete resolution — no loose ends, no surprises.