Employment Practices Liability Insurance (EPLI) provides coverage for a business from claims that arise from a worker (or certain 3rd parties) when it has been alleged that their legal rights as an employees have been violated. What are these legal rights? Here are a few: sexual harassment, discrimination, wrongful termination, wrongful discipline, breach of an employment contract, negligent evaluation, failure to promote/employ, and derivation of career opportunity. EPLI is a coverage that provide an opportunity for a business owner to insurance against many for the risks inherent in running a business. Employment practices liability coverage is extremely specialized coverage and the forms vary by carrier, you should consult with a
professional commercial insurance broker to determine the difference between carriers.
The next question I get is which commercial insurance acrriers offer EPLI coverage?
Here are a few: Admiral, Beazley-USA, Carolina Casualty, Chubb, Great American, Houston Casualty, Philadelphia, Travelers, CNA, Illinois Union, Ironshore, Lloyd's of London, Markel, Navigators, North River, OneBeacon, Zurich and Golden Eagle.
What are some EPLI Claims Scenarios?
Sexual Harassment
A male janitor served his employer with a lawsuit claiming sexual harassment. The claimant alleges that a male manager for the company would regular touch is chest and stomach while uttering sexually suggestive comments. He further alleged that his employer failed to act when notified of these allegations. The employer eventually investigated the claim and fired the manager. This matter cost the janitorial firm over $300,000 to settle.
For an
EPLI Quote please refer to our online submission form and we will contact you to follow up.
More EPLI claims scenarios available here: SocalInsuranceBroker.com/EPLI/Claims.asp
