Employment Practice Liability Insurance Agency In Western MA
Making sure your business is covered
Employers face an increasing wave of employment practice lawsuits ranging from alleged discrimination, retaliation, sexual harassment, and other workplace issues. We help you understand and assess your risk and manage it proactively.
When hiring employees, this is coverage you need
Employing people can feel like a labyrinth, full of legal troubles. There are so many twists and turns that can potentially lead to lawsuits from harassment to wrongful termination, workplace conditions and discrimination.
What does an employment practice liability insurance policy do?
Employment practice liability insurance covers against having to pay for such claims. Employment practice liability insurance policies cover the business itself, individuals such as company officers and managers. Employment practice liability insurance are often written to cover cases from unintentional actions and failure to act instead of intentional discriminatory acts or other wrongful practices.
Why is employment practice liability insurance coverage right for your business?
Your growing business has its ups and downs, including rising risk associated with business growth. The risk facing your business, from an employee-related claim, unfortunately grows alongside your business. As the number of employees increases, so does management and the possibility of an incident. EPLI protects against this growing risk.
Other helpful questions to ask your insurer include:
Does the costs of taking action to counter a legal claim count against the damage payout limit?
Is there any “claims made” wording in the coverage? Essentially that is business insurance speak for “you are only covered if the policy is active when the alleged incident happened and when the employee claim takes place”
We can help you decide which policy is best for your business’ situation. Our representatives make the complex process of finding the right coverage easy to understand.
Employment Practice Liability Insurance throughout New England
As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation, and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.
Hiring employees? This is the coverage you need.
It’s easy to feel as if employing people is a legal minefield. This is mainly because there is so much potential for lawsuits over wrongful termination, harassment, discrimination and workplace conditions.
What can an EPLI policy do for your business?
Employment practice liability insurance (or EPLI) covers the risk of having to payout such claims. EPLI policies often cover the business itself, as well as individuals like company directors. Employment practice liability insurance policies are usually written to cover cases that come out of unintentional actions (or failures to act) rather than deliberate acts of discrimination or other wrongful practice.
Get coverage that’s right for your business.
One question to ask an insurer is whether the costs of defending a claim in court count towards the payout limit for any damages. Also, look out for mention of a “claims made” basis–that’s insurance jargon that means you are only covered if the policy is active both when the alleged incident took place and when the employee makes the claim.
We can walk you through the various policies available to help determine if this type of insurance is a good fit for your business.
What is it?
EPLI offers employers coverage in the case of a variety of employment-related issues, such as wrongful termination, discrimination, and sexual harassment. This coverage helps pay any settled damages and the legal defense costs of such claims.
Why get it?
The risk of facing an employment-related claim grows as your business increases the number of employees and number of individuals in managerial roles. EPLI helps to protect your business in the case that an employee alleges discrimination, wrongful termination, harassment and other employment-related issues.