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What is Employment Practices Liability Insurance?
Employment Practices Liability Insurance, often referred to as EPLI, covers wrongful acts in the employment process. Common claims covered are retaliation, wrongful termination, sexual harassment, and discrimination. These policies are often packaged with directors and offices D&O liability insurance, Errors and Omissions, Fiduciary Liability & Management Liability.
Who Needs Employment Practices Liability Insurance?
This coverage applies to the majority of companies & businesses. As soon as you interview a possible employee, you could be at risk. Just by choosing not to hire a prospective employee could lead to a possible discrimination lawsuit. Perhaps you’ve hired someone and decide to let them go due to attendance you could be accused of “wrongful termination.” It can be difficult to run an work environment free of harassment when the definition is highly subjective.
Common Employment Practices Liability Coverages
✔ Managment Liability Insurance
✔ Special Crime Insurance
✔ Directors and Officers Insurance
✔ Errors and Omissions Insurance
✔ Fiduciary Liability Insurance
✔ Employers Liability Coverage
Stats That We Insure
✔ Alabama ✔ Arizona ✔ California ✔ Colorado ✔ Florida ✔ Georgia ✔ Illinois ✔ Indiana
✔ Kentucky ✔ Louisiana ✔ Mississippi ✔ Nevada ✔ New Jersey ✔ New York ✔ North Carolina
✔ Pennsylvania ✔ Tennessee ✔ Texas ✔ Utah ✔ Virginia ✔ West Virginia
A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O is typically written on a claims-made basis, and usually, contain no explicit duty to defend the insureds (when covering for-profit businesses).
The responsibility on trustees, employers, fiduciaries, professional administrators, and the plan itself with respect to errors and omissions (E&O) in the administration of employee benefit programs as imposed by the Employee Retirement Income Security Act (ERISA).
Excess & Umbrella Liability
This Gives excess liability coverage beyond your general liability limits. a typical GL policy may only cover up to 1 million your umbrella policy might cover 9 million or more. However, it only kicks in after the main policy is exhausted.
Errors and Omissions (E&O) Insurance
An insurance form that protects the insured against liability for committing an error or omission in the performance of professional duties. Generally, such policies are designed to cover financial losses rather than a liability for bodily injury (BI) and property damage (PD).
Management Liability Insurance
Insurance that covers exposures faced by directors, officers, managers, and business entities that arise from governance, finance, benefits, and management activities (also called “executive liability insurance”).
Special Crime Insurance
A type of insurance that covers losses arising from the kidnap and holding for ransom of a corporate employee or from the threat to do harm to a person or to certain property if a ransom is not paid. Accordingly, special crime policies are also termed “kidnap, ransom, and extortion” insurance.
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The Key to Affordable Employment Practices Liability Insurance Policies
We represent dozens of insurance companies with trustworthy brands you know. Our Licensed and accredited agents will guide you to an Employment Practices Liability Insurance Policy that fits your needs. We will show you your local tailored options without bias. All you have to do is sit back and enjoy the savings.
How Do We Provide the Best EPLI Prices?
It’s actually quite simple. Our agents are “Non-Captive” which means that, unlike other agents who can only offer policies form one company, we can get you quotes and policies from multiple carriers and multiple insurance companies. That is how we can vow to keep your best interest in mind!