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Prepare for “When, Not If” Scenarios with Employment Practices Liability Insurance

The Golden State is known for its strong employment practices protection and litigious environment. Employers face a spade of workplace lawsuits stemming from allegations of discrimination, sexual harassment, wage-and-hour disputes, and diversity issues, among other potential exposures. In the wake of the pandemic, additional risks have emerged as a result of furloughs and layoffs and privacy concerns due to COVID testing. Insurers are digging deeper during the underwriting process, asking questions regarding COVID workforce reductions, pay, reopening plans, and so on, and conducting closer review of financials for private companies.

At IPRO-Agency Insurance Services, we work with California-based companies to provide Employment Practices Liability Insurance (EPLI) to protect against potential litigation that could impact your bottom line. We help companies distinguish themselves when going to market and negotiating coverage limits, terms and pricing.

Inside the EPLI Policy

EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. An EPLI 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 your company wins or loses the suit. Claims may include:

  • 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

It’s important to note that all types of companies and sizes face employee-related litigation. The cost of EPLI coverage depends on the type 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.