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Southern States Insurance

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Employment Practices Liability Insurance

› Business Insurance › Employment Practices Liability Insurance

Work team celebrating If you are a business owner, then you are likely interested in learning as much as you can about the types of insurances that can help you avoid a financial loss at your company. It is expected that employees will get sick or injured on the job at some point, and you need to be ready for whatever may come your way. While a Workers Compensation Insurance policy will cover a variety of costs, it doesn’t cover everything. That is when Employment Practices Liability Insurance becomes a critical decision. Essentially, this plan covers areas that workmen’s compensation does not.

What Does Employment Practices Liability Insurance Cover?

There are many factors that EPLI can cover that range from various types of issues that may arise in the workplace. Let’s go over a few of the most common areas of concern.

Discrimination

While every company wants to grow, with that growth may come additional instances of discrimination. Common claims that may fall under this category include things such as:

  • Sexual discrimination
  • Age discrimination
  • Wrongful termination
  • Sexual harassment
  • Race discrimination

Wrongful Termination

Wrongful termination can exist if the employer ends the contract with an employee outside the scope of what was outlined in the hiring contract.

Harassment

There are many forms of harassment that may arise in the workplace. Sexual harassment is one of the most commonly reported types of harassment that employees claim.

Other Employment Related Issues

There are various other employment related issues that may arise. One of the most commonly discussed issues is the failure to promote.

What Factors Affect EPLI Cost?

There are many factors that will influence the cost of EPLI. For instance, the size of the company, prior suits against you, percentage of employee turnover, and whether or not you have rules in place that may already help prevent some common issues in EPLI claims.

Who Should Acquire A Policy?

Employee force in officeAny business can benefit from EPLI. Large corporations often have EPLI in place due to the sheer size of their business. However, small and medium companies may be at risk if they don’t have an EPLI in place. Don’t assume that only large businesses can benefit from this additional protection.

Smaller companies may lack the financial ability to handle any of these issues, and insurance will go a long way in providing that financial protection. While the upfront costs may be an investment, doing so could protect you from costly issues in the future.

Speak To The Professional Business Insurance Brokerage

At Southern States Insurance, we are happy to help you make the most informed decisions regarding your insurance decisions. If you would like to know more about Employment Practices Liability Insurance, please don’t hesitate to reach out to us. It is our mission to provide quality assistance every step of the way. Contact us for more information by giving us a call at 888.971.6304 or requesting a quote online today.

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*The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”

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