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In today’s litigious society, business owners face an ever-increasing number of lawsuits from current and former employees, which can make the hiring and firing process difficult. As a result, if businesses can no longer control staff levels for fear of litigation, remaining nimble and profitable can be challenging. But you don’t have to let this happen to you, because we are your source for employment practices liability insurance.

What is employment practices liability insurance? Employment practices liability insurance (also known as EPLI) protects business owners from litigation brought forth by current or prior employees, and generally focuses on concerns such as sexual harassment, wrongful termination, breach of contract, discrimination, among others.

Why do I need employment practices liability insurance? If you own a business and hire direct employees (versus independent contractors), employment practices liability insurance is a must-have. The reality is that business owners can be litigated against at any time, even by individuals who never actually worked for your company. The process can be gruellng, and cost you a great deal of time and money, which are aspects that employment practices liability insurance can help address.

What does employment practices liability insurance NOT cover? From basic to robust, employment practices liability insurance coverage can vary greatly depending on the carrier, as well as the level of insurance your business requires. Because this type of insurance is relatively new, there is little standardization across carriers, and some will provide coverage under a standard business owner’s policy, while others may require you to purchase the coverage at an additional cost. Having said this, most EPLI carriers exclude coverage for OSHA (Occupational Safety and Health Act) violations, punitive damages, and state employment law violations, among others.

What discounts are available on employment practices liability insurance? Because employment practices liability insurance is a form of commercial (versus personal) coverage, there may not be as many discounts available as there are with more common forms of insurance, such as home and auto. However, like home and auto, most EPLI policies will include a deductible, which may be able to be adjusted for a reduced premium. Be sure to discuss your employment practices liability policy with a representative at our agency, and we’ll be more than happy to seek out the best rate possible.

What should I avoid when purchasing employment practices liability insurance? As with almost all forms of insurance, you’ll want to make sure that your business is adequately covered in the event of an employment practices liability claim. Without this, you and your business could be left with unpaid claims once everything is said and done. Let our professionals help you find the right carrier and the right EPLI coverage, all at the right price.

How can we help with employment practices liability insurance? We are experts at finding the right employment practices liability coverage based on your specific needs, and doing so with a genuine, caring approach. We know that insurance in general, and EPLI specifically, can be a daunting subject, which is why we’ll happily walk you through every step of the process.

How can I get an employment practices liability insurance quote? Call us or use our online forms for a quick and easy employment practices liability insurance quote. Wherever you’re located, we’re sure to find a solution for all your EPLI needs.