E.P.L.I.

Every employer, large or small, faces the reality that it will be the target of legal action from past, present, and prospective employees.
Not only are the numbers of employment-related claims increasing, but so is the potential financial risk to your business. Defending a wrongful termination or discrimination claim -- whether you are innocent or guilty, or even if the claim is groundless or fraudulent -- can be expensive. The potential exposure for a money damages award can threaten your company's financial resources.

 

Consider the Following Facts:
  • From October 1, 1993 through September 30, 1994, the Equal Employment Opportunity Commission and related state and local agencies received 156 discrimination complaints. As of May 1, 1995, the Equal Employment Opportunity Commission had a backlog of over 100,000 complaints and the average complaint took more than a year to handle.
  • From 1991 to 1993, the number of sexual harassment charges filed with the Equal Employment Opportunity Commission increased from 3,300 to 7,200.
  • A recent telephone poll found that almost 31% of all female workers claimed to have been the object of sexual harassment at work. Seven percent of all male workers also claimed to have been sexually harassed.
  • Through legislation like the Americans With Disabilities Act and the Family Medical Leave Act, Congress has created new grounds for employers to be sued.
  

In the face of this increased risk to your business, it is also increasingly likely that your current insurance excludes coverage for employment-related claims. Most comprehensive general liability policies specifically exclude employment-related claims. For the small for-profit business, a directors and officers policy may offer a limited form of insurance coverage, but will probably not extend coverage to the business entity. Other forms of insurance, such as fiduciary liability coverage, are unlikely to cover these types of claims.

 
    • Sexual Harassment
    • Wrongful Termination
    • Discrimination
    • Statute Violation
    • Negligent Hiring
    • Negligent Supervision
    • Negligent Promotion
    • Negligent Retention
    • Disabilities
    • Breach of Contract
    • Loss of Consortium
    • Emotional Distress
    • Invasion of Privacy
    • Drug Testing
    • Mental Anguish
    • Libel
    • Slander
 In response to the escalation in employment-related litigation and the financial risk to small businesses for employment-related claims, we offer our clients the service of shopping for Employment Practices Liability. 

The policies we sell cover a wide spectrum of employment-related claims and offer loss prevention programs to help minimize the risk of those claims. We can provide some of the most comprehensive employment practices Liability Policies offered to small and large businesses.  Our plans include punitive damages coverage (most don't).