Employment Practices Liability Insurance (EPLI)
Your specialty is our specialty.
Protect your business from the risk of employment practices.
From the hiring process through the duration of an employee’s tenure at your company and during their possible termination, your company is at risk if your employment practices violate a federal law. To protect yourself, you need to have employment practices liability insurance (EPLI). Many small businesses purchase EPLI as an endorsement to their business owners policy (BOP), but it is available as a stand-alone policy as well. In our litigious society, every company is at risk of being sued by a disappointed hire or a disgruntled employee
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What coverage does Employment Practices Liability Insurance offer?
Employee rights are covered by law under legislation such as Title VII of the Civil Rights Act of 1964, Americans With Disabilities Act (ADA) of 1990, the Civil Rights Act of 1991, Age Discrimination in Employment Act (ADEA) of 1967, and Family and Medical Leave Act (FMLA) of 1993. The Equal Employment Opportunity Commission (EEOC) enforces these laws in case a potential, current, or former employee claims that your company violated the law.
Complaints might include:
- Sexual harassment
- Discrimination
- Wrongful termination
- Breach of employment contract
- Negligent evaluation
- Failure to employ or promote
- Wrongful discipline
- Deprivation of career opportunities
- Wrongful infliction of emotional distress
- Mismanagement of employee benefit plans
While your Human Resources department and every employee, especially those in management or supervisory positions, should be aware of the laws and follow them carefully when dealing with employees, your company can still be the target of charges and frivolous lawsuits. An EPLI policy will reimburse your company for the cost of defending lawsuits, judgments, and settlements regardless of outcome, but will not cover punitive damages or civil or criminal fines. The policy does not pay for workers compensation claims or matters covered by other policies, but does protect you in case of claims by independent contractors or by third parties.
Whether frivolous or not, claims violating employees’ rights can be very expensive to defend and as a result devastating to a small business without coverage.
Obtaining a quote for Employment Practices Liability Insurance.
The cost of an EPLI policy depends on your type of business, the number of employees, and your past record of lawsuits on employment claims. When you need a quote, your dedicated Palm Desert Insurance agent will help you evaluate whether you need a separate policy or an add-on to your BOP, and then find you the most affordable policy they can with the protection you need.
Call us today at (760) 341-2345 for a coverage and rate comparison on an employment practices liability insurance policy that’s right for you.
We are proud to provide insurance services throughout California in Palm Desert, Palm Springs, La Quinta, Indio and the Coachella Valley. We also serve cities in Arizona such as Phoenix, Scottsdale, Surprise, Glendale and Mesa.
888-880-8872
73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260