Employment Practices Liability Insurance (E.P.L.I.) What You Need To Know!

E.P.L.I. is an important part of coverage for your business. You are not covered for these claims on you Commercial General Liability policy (C.G.L.) or under your Director & Officers policy (D&O).

E.P.L.I. covers you in the vent of employee related lawsuits and third party coverage can be added to cover vendors, customers, clients and more.

This is a list of some of the claims E.P.L.I. will protect you from:

Wrongful Termination Claims:
More than any other aspect of the employment relationship, the discharge of an employee has the potential to result in litigation. EPLI policies cover claims by former employees alleging that he or she was wrongfully terminated. Some policies also cover claims of "constructive discharge" by employees who claim that they could no longer tolerate the work environment and were compelled to resign or retire.

Discrimination Claims:
Policies can also cover claims by current, former or prospective employees who charge that they were the victim of employment-related discrimination on the basis of any federal, state or local law that prohibits discrimination by employers on the basis of:

Race Sexual Orientation
Color Marital Status
Creed Sex
National Origin Religion
Gender Age
Military Service Disalibity
Pregnancy Handicap

The definition of discrimination can include any future changes in those laws such that any additional categories of discrimination against employees will be included within the coverage afforded by a policy. Claims by employees who charge that they were discriminated against for exercising their rights under worker's compensation, COBRA or other similar laws, can also be covered.

Sexual Harassment:
Coverage for sexual harassment claims against your company, including claims against supervisors and fellow employees, can be included. In addition, the policy can cover all categories of sexual harassment as currently defined by the Equal Employment Opportunity Commission.

Whistleblower Claims:
Policies can also cover claims by employees who charge that they were the subject of an adverse employment decision solely because they disclosed an unfair or illegal practice by the employer. This is one of the few policies to specifically cover whistleblower claims. Sometimes these matters are referred to as "Section 132".

Wage & Hour Claims:
The FLSA sets the minimum wage and maximum hour/overtime requirements. The Wage and Hour Division of the Department of Labor manages the administration of the FLSA. FSLA actions are frequently NOT covered without specific EPLI insurance policies.

Other Employment-Related Claims:
Other additional causes of action which are alleged in employment litigation, such as libel, slander, or other defamation, invasion of privacy, mental anguish, infliction of emotional distress, loss of consortium, assault, battery, breach of contract, negligent hiring, supervision, promotion or retention in connection with any other employment-related claim, can often be covered.

The premiums for coverage and limits vary but it is relatively reasonable and protects your business from potential damages you could be liable for as a result of being in violation of any of the above named coverages. To request more information you can visit our website and submit a request at www.mjfinsuranceagency.com or call us at 718-447-6096 or toll free at
866-983-8726

M.J.F. is licensed to do business in 7 States NY,NJ,CT,PA,SC,TX & FL

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