Employment Practices Liability Insurance Policy (EPL)

Stateside Underwriting Agency offers a state-of the art Employment Practices Liability (EPL) insurance policy through domestic and international companies. EPL covers businesses against claims by workers whose legal rights as employees of the company have been violated. Whether actual or merely alleged, Employment Practices Liability claims can place companies at risk for large financial losses.

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, some insurers provide this coverage as an endorsement to their Business owners Policy (BOP). An endorsement changes the terms and conditions of the policy. Stateside Underwriting Agency offers Employment Practices Liability as a stand-alone coverage, or in some cases combined with professional liability.

EPL provides protection against many kinds of employee lawsuits, including claims of:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee benefit plans

The cost of Employment Practices Liability coverage depends the class of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policy will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether the insured wins or loses the suit.

Domestic Employment Practice Liability Info and Data

CLAIM DETERMINATION...Any claim is subject to the actual policy wording/endorsements and the coverage for a claim shall be determined using the policy wording.

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