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Commercial Insurance
Liability

Employment Practice Liability

Have It In Place Before A Claim Is Filed

Hiring is a necessary part of growing your business, but at the same time, it’s a risk. From the moment you conduct an interview, you have to make your decision carefully so that person won’t claim you were discriminatory. Once employees are hired all the way until the day they leave or are fired, it’s a balancing act to make sure you don’t unintentionally violate any agreements.

What Is Employment Practice Insurance?

Employment practice insurance protects your business against employment-related claims alleging wrongful acts such as sexual harassment or discrimination based on race, religion, gender, or disability, for example.

What Does Employment Practice Liability Insurance Cover?

Employment practice liability insurance covers defense costs and damages related to claims made by employees alleging certain legal rights violations.

It generally does not cover criminal conduct, punitive damages, penalties, or civil fines.

How Can Employment Practice Insurance Help?

Today, employers are more at risk of having a claim filed against them by employees who feel their rights were violated. And while you do your best to implement the right HR policies and train your leadership team to minimize these potential issues, they can still happen.

Employee Practice Insurance is helpful for protecting you in lawsuits involving:

  • Discrimination
  • Sexual Harassment
  • Wrongful Termination
  • Mismanagement of Employee Benefits
  • Infliction of Emotional Distress
  • Breach in Employee Contract

Whether your company is at fault or you’re wrongfully accused, employment practice insurance will cover you both ways if a lawsuit ensues. On top of developing your company handbook and properly training your team, it’s important to add this coverage for your security. That way, your business isn’t ruined over the legal costs of a lawsuit.

Find The Best Coverage For You

Our team is here to listen first and learn about your company. Then, we go to work finding the right type of coverage to protect all your specific risks. Talk to us today to see what type of employment practice insurance is right for you.