Employment Practices Liability insurance protects your business from accusations of unlawful treatment in the workplace. As the legal obligations are increasing for employers, it is essential that your business has comprehensive insurance coverage no matter the size.

Employment Practices Liability claims can be extremely costly to defend regardless of the outcome, making large corporations typically better equipped to fight these claims. Small businesses occasionally overlook Employment Practices Liability Insurance without realizing how important this coverage really is.

Small businesses are particularly vulnerable because they usually do not have legal departments or strictly enforced employee handbooks to help protect them in the event of an employment practices liability claim. Having an Employment Practices Liability Policy can provide you with the resources to defend your business if a claim occurs and assist you with risk management to prevent possible claims.

 

What is an Employment Practices Liability Claim?

An Employment Practices Liability claim is a complaint typically by an employee or job applicant of unfair treatment in the workplace. This includes, but is not limited to:

– Wrongful Termination
– Harassment
– Discrimination
– Defamation
– Unfair hiring/firing practices
– Retaliation

 

What Precautions Should I Take to Avoid an Employment Practices Liability
Claim?

 

There are many different ways that your business can work to prevent Employment Practices Liability claims.

– Carefully review the laws and guidelines in your state for workplace practices
– Develop an internal protocol for Employees to report any workplace concerns
– Document all hiring/ firing actions
– Develop an Anti-Harassment Policy & Training for Employees
– Create protocols and document any disciplinary actions
– Create a comprehensive Employee Handbook that has been reviewed by an
attorney

Some Employment Practices Liability Insurance Carriers will also provide assistance and advice to mitigate your risk for claims. Insurance carriers can be an excellent resource for risk management.

Contact us at InsureGen Brokers to learn more about Employment Practices Liability Insurance Coverage. We can help you find a policy that fits your unique needs. We are
an independent insurance agency, meaning we can get free quotes from a variety of
different insurance carriers and help you decide which policy will best fit your needs.