EPLI Coverage
Employment Practices Liability Insurance (EPLI) programs offer comprehensive coverage and valuable resources to businesses seeking to mitigate risks associated with employment-related claims. Here’s a breakdown of some key features and benefits of your EPLI programs:
Third-Party Liability Coverage: This coverage extends protection against claims brought by individuals outside of the company, such as clients, customers, vendors, or contractors.
Comprehensive Coverage for Discrimination and Wrongful Termination: Your programs provide coverage for various forms of discrimination and wrongful termination claims, ensuring businesses are protected against legal expenses and potential settlements or judgments.
Defense Costs Outside the Limits: By providing defense costs coverage outside the policy limits, your programs offer additional financial protection, ensuring that policy limits remain available to cover settlements or judgments.
No Intentional Acts Exclusion: Exclusion for intentional acts is common in insurance policies, but your programs seem to offer coverage even for wrongful acts deemed intentional, providing broader protection for businesses.
Coverage for Internet and Email Usage: In today’s digital age, allegations related to internet and email usage are increasingly common. Your coverage for wrongful employment acts involving the use of the internet and email addresses this modern risk.
Comprehensive Coverage for Various Employment Practices: Your programs cover a wide range of wrongful employment acts, including demotion, failure to promote, retaliation, wrongful discipline, negligent evaluation, training and supervision, and employment-related misrepresentation, providing extensive protection for businesses.
Coverage for Family Medical Leave Act (FMLA) Violations: Protection against claims of negligent violation of the Family Medical Leave Act ensures compliance with federal employment laws and shields businesses from potential liabilities.
Extension of Coverage for Lawful Spouse: Extending coverage to include lawful spouses enhances the scope of protection provided by the policy, potentially reducing personal liabilities for business owners or executives.
Broad Definition of Harassment: Including a broad definition of harassment, encompassing sexual harassment and other forms of workplace harassment, ensures comprehensive protection against claims related to hostile work environments.
Employment Practices Hotline: Offering a free employment practices hotline with unlimited calls and no time limits provides businesses with valuable resources for navigating complex employment issues and seeking expert guidance when needed.
Fair Labor Standards Act (FLSA) Sublimit: Having a sublimit for claims related to FLSA violations provides businesses with specific coverage for wage and hour disputes, addressing a common area of concern in employment practices.