Employment Practices Liability Insurance (EPLI) covers claims of employees who feel their legal rights have been violated in the course of employment. Companies, big and small, can be exposed to EPLI type claims. Claims can include sexual harassment, discrimination, wrongful termination claims, and much more.
The “Great Resignation” period that employers experienced in 2020 and 2021 created further pressures on this area of insurance. Government mandates, mass layoffs, operational procedure changes added to this affect and created an unknown. Was the termination justified? Were there other alternate job duties considered for the employee? Did the employee’s age play a factor of considering whether to keep the employee remote or terminate them? All of these factors are considerations and factors of potential claims. This insurance provides protection.
Claim Examples
A mailman comes to the office several times per week to deliver mail and packages. He is greeted by the office receptionist, who keeps making sexual advances toward him. He has asked her to stop numerous times as he feels uncomfortable visiting the office, however his route cannot change. He eventually files a claim against the company for sexual harassment. Third party EPLI coverage, which covers claims of non-employees, can provide such coverage for the business.
A company tells an older employee that her job is being eliminated, and without offering her a different position in another department, they simply terminate her. A few weeks later, the company hires a younger employee with a similar job title and responsibilities that the older employee had. This could be evidence of age discrimination, and the former employee files an EEOC claim again the company.
Coverage Features
- Coverage limits ranging from $250,000 up to $2,000,000
- Various deductible options depending on risk type
- 3rd party coverage available
- Wage & Hour (Defense Only) coverage available with limited markets
- Complimentary Legal Hotlines available for consultations
- And much more!
Our insurance agency serves clients in Pennsylvania, New Jersey, Delaware, Maryland, Virginia, North Carolina and surrounding states. We pride ourselves on understanding your industry and providing simple solutions for your insurance program.
Contact us today and find out how we can help reduce your cost, enhance your coverage, or improve your peace of mind!