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Employment Practices Liability (EPL) Insurance

If you work with people, you have employment practices liabilities. EPL insurance will protect you when employees or third parties — such as customers or vendors — file claims alleging sexual harassment, fair pay discrimination, wrongful termination or employee misclassification.

Let’s work together to develop a customized, comprehensive employment practices liability solution for your organization.

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What does EPL insurance cover?

You’re more likely to face EPL claims than general liability actions. Employment practices liability insurance covers the costs to defend your organization from lawsuits related to:
  • Wrongful termination of an employee who alleges violation of their contract
  • Sexual harassment claims by one employee against another
  • Wage theft claims by employees who allege denial of overtime pay or tips, or working “off the books”
  • Claims of unequal or unfair pay between employees performing the same job and having similar skills, education, seniority and responsibility
  • Discrimination claims based on age, race, gender or sexual orientation

The statistics are not in your favor

51% of EPL lawsuits are won by employees or other plaintiffs.1 Even if your organization does everything “by the book,” you’re still susceptible to a lawsuit.
 
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1. Westlaw, 2012–2013 Edition of Jury Award Trends and Statistics.

Busting myths:

EPL Misconceptions vs. Reality

Do you know how exposed you really are? Don't fall victim to these common misconceptions.

Misconception #1: My general liability policy covers EPL claims.

Reality: A general liability policy is not a master liability policy. Rather, it applies only to bodily and advertising injury, and property damage. Without employment liability insurance, an employer will be left to defend costly employment claims on its own.

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Busting myths:

EPL Misconceptions vs. Reality

Do you know how exposed you really are? Don't fall victim to these common misconceptions.

Misconception #1: My general liability policy covers EPL claims.

Reality: A general liability policy is not a master liability policy. Rather, it applies only to bodily and advertising injury, and property damage. Without employment liability insurance, an employer will be left to defend costly employment claims on its own.

Misconception #2: I have a great relationship with my employees. I don’t have an EPL risk.


Reality: You may indeed know your employees very well. Regardless, for 2015, the Equal Employment Opportunity Commission (EEOC) reported the filing of close to 90K employment claims. At the same time, there has been an increase in disability and age discrimination claims, and monetary recoveries for employees by the EEOC have risen significantly, to $420M.


All it takes is one employee complaint to raise a red flag to a regulatory agency, which can create a large class action from even the smallest EPL claim. EPL insurance covers claims against any employees or customers — including the ones with which you have a great relationship.

Misconception #3: As long as I did nothing wrong, I don’t need to worry about an EPL claim.


Reality: It almost doesn’t matter if you’re innocent. The average EPL claim takes just under a full year to resolve and can bring with it outrageous, untruthful, reputation-damaging accusations against your leadership, employees and management. While settlements can minimize exposure, the financial loss to your business will still be significant. EPL insurance can help resolve a claim efficiently and minimize the financial impact to your organization.

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Let’s assess your employment practices liability exposures.

Together, we can tailor an EPL policy to your particular vulnerabilities, and protect your organization against costly litigation.

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