Employment Practices Liability


Discrimination, Wrongful Termination, Sexual Harassment, Retaliation, Inappropriate Workplace Conduct, Fraud/Misrepresentation, Intentional or Negligent Infliction of Emotional Distress, Breach of an Employment Contract, Failure to Employ, Failure to Promote, Wrongful Discipline, Deprivation of a Career Opportunity, Negligent Evaluation…these are all things that can be covered under an Employment Practices Liability policy if written correctly. The problem is that most insurance agents just endorse the Businessowners or General Liability policy which provides a watered down version of Employment Practices Liability.

Just as one example, most endorsements to a Businessowners or General Liability policy won’t cover Third Party Discrimination under the definition of Discrimination. That means that if it was alleged that one of your employees discriminated against a customer or vendor then your policy wouldn’t provide any coverage at all.

Our stand-alone policies can provide for that and much more as well as provide much higher limits than are available on the Businessowners or General Liability policies. Typically, we only see limits of $50,000 or $100,000 limits on these endorsements to the Businessowners and General Liability policies. In today’s world, $50,000 will just barely get you started if an Employment Practices Liability claim were to arise.

However, our policies are written with a standard $1,0000,000 minimum limit with higher limits available.

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