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Home - Insurance - EPLI |
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Employer's Practice Liability
What is EPLI
If your business has a few employees, you can't avoid the risk of a lawsuit charging you with some type of employee discrimination whether based on sex, race, age, or any one of a number of other characteristics. This is typically one of those exposure-much like the exposure to theft by trusted insiders- that employers tend to think "won't happen here!" |
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Unfortunately, even if you have an excellent risk management program, an employment practice lawsuit can happen in any business. For example, you may fire a worker for poor job performance only to find he or she files a lawsuit charging that the real reason for the termination was race., religion, age, or some other protected chracteristic. Regadless of whether the employee can ultimately prove the charges, you are still tied up in a legal defense for long time. Even if you think you have done notthing wrong, you could be found liable for discrimination and responsible for payment of a large damage award.
The employment pratice liability endorsement provides coverages for violation of seven different federal anti-discrimination statutes named in the endorsement, as well as for the violations of similar state and local statutes.
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This isn't part of any policy issued by its affiliated insurers and is not a binding part of any insurance. Contract which may be applicable to you. It contains only general information and description of the coverages which may be provided and doesn't include all of the features, exclusions, and conditions of the policy. It describes certain coverages features and credits vary by the clients, and may not be available to all insureds. BAP suggests you that you read your policy very carefully or consult with us to determin your actual coverages with licensed BAP professionals. In the event of loss, the terms of your policy will determine your coverages. Any difference in coverages descriptions between this writing & your policy are inapplicable and should be disregarded.
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