EPLI

 

EMPLOYMENT PRACTICES LIABILITY INSURANCE

EPLI or Employment Practices Liability Insurance protects employers against employee claims that their legal rights have been violated. The relationship between employer and employee is increasingly adversarial, and businesses have to be acutely aware of the potential legal issues in the course of day-to-day operations. A business can follow every law to the “T” but it still can not prevent frivolous lawsuits by rogue employees looking to for a pay day. If your business has employees , no matter how large the workforce, having an insurance policy that will protect against the financial fallout from these types of suits is not an option- it’s a necessity.

 

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WHAT ACTS ARE COVERED?

DISCRIMINATION WRONGFUL TERMINATION HARASSMENT
BREACH OF EMPLOYMENT AGREEMENT CONSTRUCTIVE DISCHARGE DEFAMATION/ LIBEL/ SLANDER
INFLICTION OF EMOTIONAL DISTRESS FALSE ARREST/ IMPRISONMENT FAILURE TO ENFORCE COMPANY POLICIES
INVASION/ BREACH OF PRIVACY BREACH OF CONFIDENTIALITY WRONGFUL DISCIPLINE
HUMILIATION WRONGFUL DEMOTION WRONGFUL EVALUATION
NEGLIGENT SUPERVISION NEGLIGENT HIRING NEGLIGENT RETENTION
NEGLIGENT TRAINING COERCION FAILURE TO GRANT TENURE
FAILURE TO GRANT BONUSES FAILURE TO GRANT SENIORITY  FAILURE TO GRANT PARTNERSHIP
FAILURE TO GRANT SHAREHOLDER STATUS FAILURE TO ENFORECE CONSISTENT EMPLOYMENT-RELATED CORPORATE POLICIES AND PRACTICES WRONGFUL DEPRIVATION OF A CAREER OPPORTUNITY 
RETALIATORY TREATMENT EMPLOYMENT RELATED MISREPRESENTATION DEFAMATION STATEMENTS IN CONNECTION WITH AN EMPLOYEE REFERENCE

WHAT LOSSES ARE COVERED?

EPLI policy forms cover judgments, settlements, and defense costs. In addition most policies state that coverage is provided for front pay and back pay, as well as pre- and post-judgment interest.

Additionally, coverage for legal costs during administrative hearings before the Equal Employment Opportunity Comission (EEOC) as well as applicable state and federal agencies is also provided. This is important, as most agencies conduct an investigatory hearing before proceeding with a formal claim against an employer.

 

WHO IS COVERED?

  • full time employees
  • part-time employees
  • former employees
  • temporary employees
  • seasonal employees
  • leased employees
  • interns
  • management and supervisory employees
  • volunteers

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