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Lawsuits filed by employees or ex-employees against their employers has been rising. Recently, with the increase of layoffs due to a weak economy or faltering business incomes more and more companies are being forced to lay off their staff resulting in Employment Practices Liability Claims. Although many suits are filed against large corporations, no company is immune to such lawsuits.
Without EPLI your company may be left alone, without support to defend claims. Now that smaller companies are coming under fire for similar economic downtrends, they too, are targets for Employment Practices and need this kind of protection, some insurers provide this coverage as an endorsement to their Business Owners Policy (BOP), but this is becoming rare due to the increase in EPLI Claims and/or coverage limits are not adequate.
EPLI provides insured protection against many kinds of employee lawsuits, including claims of:
The average cost of EPLI coverage depends on:
EPLI policies will reimburse your company against:
Policies also typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as Workers Compensation, General Liability, Personal Injury are excluded from EPLI policies.
To Prevent Employee Practice Liability Lawsuits
Do not take lightly the importance of your EPLI - Employment Practices Liability Insurance. Too many businesses and companies do not consider it until there is a loss which may be catastrophic for any business.
We can find discounts on business insurance you may not find on your own. Give us a call, or get a business insurance quote online today.
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