The Basics of Employment Practices Liability

The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. The Hartford provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.
 
Employment Practices Liability can help protect your business if your customers, vendors, or business invitees accuse you of harassment or discrimination.  Some BOP’s may limit protection to just your employees’ claims against you. To help give you the protection you need – especially if you have a significant amount of customer contact – third-party EPL coverage1 is included for most businesses.2
 
 If You Have Employees, You Need Employment Practices Liability InsuranceEPLI coverage helps businesses not only endure, but prevail in the event they face an employment-related claim for acts including:

• Discrimination
• Harassment
• Retaliation
• Violation of the Family and Medical Leave Act
• Wrongful discipline
• Wrongful failure to promote
• Wrongful termination

A common employee complaint filed centers around wage and hour violations including wage calculation, overtime calculation and job classifications. Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating an employee’s eligibility to receive overtime. Prevention Is Your Best Protection