Employers and their employees are protected by Employment Practices Liability Insurance from claims of actual or claimed discrimination, wrongful termination, sexual harassment, and other employment-related allegations made by current, former, or potential employees.
Defense and settlement costs for employment-related disputes are rising quickly.
Annual Claim Scenario Median Premium for EPLI Policy: $1,200.00
Racial Discrimination - After realising that they had all been turned down for employment solely because of their race and ethnic origin, a group of job seekers of Indian descent sued a private retail establishment for both racial and ethnic discrimination. Over $200,000 was spent on defence expenses and settlement.
Disability Discrimination: An employee took a leave of absence to receive medical attention for a condition. The insured informed him that his position had been replaced by someone else and that his employment was no longer available when he was prepared to resume work. He filed a lawsuit alleging handicap discrimination, lost income, emotional hardship, and other claims. There were more than $100,000 spent on defence and settlement.
Employment practises, not just a policy Liability Protection Services For Risk Management Are Included In The Premium
Management briefs on a variety of workplace-related topics are available online for risk managers, human resources specialists, and other upper-level management.
Ideal Techniques Knowledge Base: a searchable database of actual workplace occurrences that shed light on how risks and exposures associated to the workplace should be managed
Self-Assessments: evaluations to help determine how much risk your business is exposed to, as well as training to strengthen your defences
Model Workplace Policies and Forms, Model Employment Handbook
Links to hundreds of useful websites for the workplace
Communication Center: Online accessibility.
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