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Employment Practices Liability

Sample Classes - Target Risks Examples
  • Any small business - particularly with fewer than 150 employees
  • Auto Dealers
  • Lawyers
  • Physicians
  • Hospitality (restaurants, hotel/motel)
  • Miscellaneous Manufacturing Industries
  • Construction / Contractors

We can write EPL for the following risks:
  • New Businesses
  • Adverse loss history
  • Fewer than 500 employees

Product Features
  • Claims Made and reported coverage
  • Admitted Paper
  • "All-Risk" Form includes, but is not limited to coverage for:
    • Sexual, racial, age and gender discrimination or harassment
    • Failure to promote or demotion
    • Invasion of privacy
    • Defamation
    • Retaliation and wrongful termination - includes constructive discharge
    • Fair Labor Standards Act (Wage and Hour Claims) - $100,000 sub-limit per policy, applicable to defense and indemnity
    • Vicarious liability for intentional acts
    • Broad "all risk" coverage for "all" employee types
    • Full prior acts standard
  • Limits to $5 MM
  • Designed HR Protection risk management services - unlimited telephone and internet-based loss control services and a hotline staffed by attorneys and HR Professionals
  • Punitive damages covered where allowed by law
  • Defense outside the limits available
  • Third-party coverage optional
  • Cost-in-addition coverage optional