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Employment Practices Liability

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Employment Practices Liability

Employment Practice Liability Insurance, or EPLI, covers businesses against claims by workers that their legal rights as employees of the company have been violated.

Most commonly, employment practices liability deals with laws and protections brought under Title VII of the Civil Rights Act of 1964, the ADA (Americans with Disabilities Act) of 1990, the Civil Rights Act of 1991, ADEA (Age Discrimination in Employment Act) of 1967, the Family and Medical Leave Act (FMLA), and The Equal Employment Opportunity Commission (EEOC).

What Does it Cover?

Essentially, Employment Practices Liability Insurance provides coverage when the following claims are made against an employer:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation
  • Failure to employ or promote
  • Wrongful discipline
  • Deprivation of career opportunity
  • Wrongful infliction of emotional distress

Why You Need This Coverage

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such claims. Analysis of annual claims totals suggests that EPL claims rates correspond to unemployment rates.   This trend is being studied carefully, to ascertain if there is a correlation between the number of claims from employees fear of being let go by an employer, or the actions of an employer to curtail costs and their profit bottom line.

The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court, settlements, and damages. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal fines.

How to Manage Your Risk

To prevent employee lawsuits, a business organization should educate their managers and employees so that work relations issues can minimize problems in the first place:

  • Create effective hiring and screening programs to avoid discrimination in hiring.
  • Post corporate policies throughout the workplace and place them in employee handbooks so policies are clear to everyone.
  • Show employees what steps to take if they are the object of sexual harassment or discrimination by a supervisor. Make sure supervisors know where the company stands on what behaviors are not permissible.
  • Document everything that occurs and the steps your company is taking to prevent employee disputes.

There are different federal and state statutes that govern an employer’s liability to its employees. The state laws differ from state to state.

FAQ'S

What is Employment Practices Liability Insurance?

EPLI provides coverage for wrongful acts such as wrongful termination, discrimination, sexual harassment, retaliation and a variety of other inappropriate workplace conduct.

How can I obtain the coverage?

The documents required are carrier specific applications, financial records of the organization and the prior claims history.

What is the cost for this type of policy?

The cost is dependent upon your financials, your loss history and the type of your industry.

What are the benefits?

EPLI provides defense and possibly settlement costs to defend against an accusation of wrongful employment practices.

How much coverage do I need?

This is dependent on the number of employees, your turnover rate, industry type and the organization’s revenue. This coverage is usually written in conjunction with Directors and Officers coverage.

What do I need to implement coverage?

Signed final proposal, underwriting approval and a premium check.

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4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
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    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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