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If you do not have coverage for employment practices liability (EPL), your insurance package may not be complete or adequate.
What does EPL cover?Employment practices liability (EPL) provides insurance coverage for claims which allege:
- Wrongful discharge
- Discrimination
- Harassment
- Hostile work environment
How prevalent are suits related to employment practices?
The Equal Employment Opportunity Commission (EEOC) reports in 2004 it recovered $251.7 million on behalf of complainants for the more than 85,000 charges it resolved. As an employer, you must be prepared to defend yourself, even against groundless allegations. Such defenses are both time consuming and expensive.What can I do to protect myself?Your general liability policy does not provide the needed coverage, nor will your workers compensation plan. We have an insurance product available through many carriers which will provide coverage against claims alleging wrongful discharge, discrimination, and sexual harassment. In addition, we can offer an enhanced policy for medical professionals which includes a sub-limit for abuse or molestation, written on a legal defense reimbursement basis only.
These types of claims will continue to grow. It is important that you consider the consequences of these exposures as they may apply to your own situation.
Apply for Employment Practices Liability PLUS+ coverage from St. Paul/Travelers. Print this form, complete, and fax back to (720) 858-6281.
If you have any questions regarding Employment Practices Liability, please contact us by e-mail or by calling (720) 858-6280 or (800) 421-1834 ext. 6280.