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product guide >> employment practices

Employment Practices

Businesses are flocking to the shelter of Employment Practices Liability Insurance (EPLI) in response to the recent explosion of employment law liability claims. Employers are finding that they are vulnerable from the pre-hiring process through the exit interview, even if the employee was at the company a matter of days.

Our state of the art EPLI policy provides punitive damage coverage, one of the few carriers to offer this option on every policy issued. This policy also covers most claims from the following scenarios not usually covered under the CGL form, such as sexual harassment; wrongful termination; violation of the civil rights laws or Americans with Disabilities Act; violation of the Equal Pay Act or Age Discrimination in Employment Act, and other charges filed with the EEOC or equivalent state agency.

Recently Written:

The fastest growing area of litigation and claims in this country is in Employment Practice Liability. Major lawsuits like those brought against public officials and public companies such as Mitsubishi and Ford Motor Company, have been widely reported in the news and have made employers recognize the need to protect themselves against employee-based lawsuits such as wrongful termination and sexual harassment. Our program covers virtually every industry segment. It is especially designed for the needs of employers with less than 500 employees.

Here are some examples of risks we have written:

  • A home health care agency new in business
  • A golf club with seven full-time and 13 part-time employees
  • A magazine publishing company in business 18 years
  • A small public relations company
  • A wholesale distributor of lighting and janitorial supplies
  • A property management firm
  • A furniture store with 16 full-time and 17 part-time employees
  • A chain of 10 fast food restaurants with over 200 employees

Employment Practices Applications

Employment Practices Liability - Long Form
Employment Practices Liability - Short Form

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