Employment Practices Liability

Protection Against Allegations from Employees to Employers

Employment Practices Liability (EPLI) provides defense and settlement/judgement costs associated with actual or alleged acts of Discrimination, Harassment (Sexual or otherwise) and/or Inappropriate Employment Conduct.

Any business with employees qualifies for this coverage.  The most common lawsuits file against employers are for retaliation, discrimination and sexual harassment, resulting in legal defense fees averaging well over $50,000 for each claim; and that's just the defense costs!  Even if the employer did nothing wrong and had the proper training and procedures in place, a suit can still be filed and the employer will need pay for legal defense costs.

The U.S. Equal Employment Opportunity Commission (EEOC) announced that a record number of discrimination charges have been filed in 2010. (EEOC Source)

This purports further that a business is more likely to have an Employment Practices Liability claim than a General Liability claim.  This data also marks the first time that retaliation has surpassed racial discrimination as the most filed charge.

As the claims filed by employees against their employers continue to rise, it becomes even more imperative for employers to protect themselves and their businesses.

Just look at the facts!

• Average EPL claim paid out of court settlement: over $40,000
• Defense of an average EPL case: over $50,000
• Median compensatory award for EPL cases: over $200,000
• Judgements in favor of the plaintiff: more than 67%
• Over 40% of all EPL claims are brought against small employers
• 6 out of 10 employers have faced employee lawsuits within the last five years

Business Owner/General Liability policies  can have specific exclusions for employee-related claims, or have very low policy limits for such claims, thereby leaving your business exposed. The Professional Liability Insurance Group has access to the leading markets providing this coverage for all business industries.

Policies vary by company, but most coverage highlights typically include:

• Wrongful Termination including Constructive Discharge
• Sexual Harassment Allegations
• "Hostile" Work Environment Allegations
• Failure to hire, promote or demotion
• Denial of "Career Opportunity"
• Third Party Liability (claim brought by customers, clients or other non-employees as a result of Discrimination and/or Sexual Harassment)

An Employment Practices Liability policy can be written on a stand-alone basis or in combination with a Directors & Officers Liability policy.  The policy generally covers all employees, including part-time, seasonal, temporary, and Independent Contractors.  The policy can also cover the entity, directors, officers, owners, partners, and their spouses.

Our agency is available to provide you with an offer or further information.  Contact one of our CSR Specialists Toll Free at 866-PLIG-123 or email us at info@PLIGofSJ.com.

You Must Protect your Business Prior to Getting Sued!

Protection is meaningless after the incident or law suit.  And think of it.  We are all one mishap away from devastating personal or professional financial loss.

At The Professional Liability Insurance Group we have protected professionals and corporations since 1997.  We know the business.  We know the professions.  We know how to protect you with the right Employment Practices Liability Protection.

Avoiding a claim is never promised to you or anyone else.  So, don't delay.  Be protected for life's misfortunes.  Complete the Protection Savings Form now and let the professionals at The Professional Liability Insurance Group forge a shield of protection around you and your business.