Protecting Your Company with Employment Practices Liability Coverage

Lawsuits filed against employers because of employment practices continue to pose a significant risk to the financial stability of small and medium-sized businesses. With employment practices liability coverage, you can ensure that your company, as well as its directors and officers, have adequate protection in the event that an employee files a claim or lawsuit against you.

Some of the claims covered by this type of policy include:

  • Employment discrimination

  • Sexual harassment

  • Wrongful infliction of emotional distress

  • Wrongful termination

  • Breach of employment contract

  • Negligent evaluation

  • Wrongful discipline

  • Denial of career advancement

  • Mishandling employee benefit plans

None of the above employment-related claims are covered under a company’s standard Commercial General Liability policy. Without a stand-alone policy or Directors & Officers Liability policy, your company is exposed to costly employment lawsuits arising from these claims.

Defending even frivolous lawsuits can seriously drain a small or mid-sized business’ financial resources. Although having strong employment policies, sufficient tolerance training and an experienced human resources team can go a long way in preventing employment claims and lawsuits from happening in the first place, those precautions do not a guarantee that your company will never face a suit.

The reality is that society is more litigious than it has ever been and settlements and awards are reaching record highs. Protect your profits with a policy that meets your level of risk. Talk to your insurance broker about your company’s unique challenges to determine how much coverage is best for your company.

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