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Protect Your Business From Employment-Related Claims
Employment practices liability insurance (EPL) provides coverage against loss incurred in litigating and settling wrongful employment practices liability claims. This includes claims of discrimination, harassment, retaliation, wrongful termination, or other inappropriate or unlawful workplace activity. EPL insurance policies can also include coverage for claims alleged by an individual outside of the employment relationship such as a vendor, supplier or customer.
Employment Claims Can Cost Real Money
Even when a claim is brought by a single employee, there is the potential for copycat claims by other employees. This makes resolution of an employment claim more complicated than other types of claims. Many employment claims allow for an award of punitive or multiplied damages as well, which can significantly increase the financial exposure to the employer. Even for claims that appear to be meritless, the costs to defend such claims, and in particular attorney’s fees and expenses, quickly mount up.
EPL Insurance Is Not Standardized
Each insurer has its own policy form and its own methodology for evaluating and underwriting the EPL risk. The scope of coverage is negotiable so it is important to understand the exposure in order to craft the best insurance protection against that exposure.
Our team brings specialized technical, legal, underwriting and claims experience on all types of executive risk exposures. We take the time to learn about your specific liability exposures and business requirements, and leverage deep insight into the insurance marketplace to tailor a program that provides the best and most appropriate protection for you.