Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment and Retaliation, Failure to promote. EPLI coverage in more litigious states like California make California EPLI coverage even more important for your business.

If you think an employment practices claim will never be made against your organization … think again. Employment related claims impact organizations of every size, in every industry and can disrupt businesses, hurt employee morale, damage reputations and cost businesses financially … even before going to court. Ultimately, you can be sued and have done nothing wrong. Even if you have done nothing wrong, the cost to defend the claim can be enormous and put a huge financial burden on the business. Especially in litigious states like California. This is where EPLI coverage come in to play.

The cost of EPLI coverage depends on your type of business, the number of employees you have and various risk factors such as whether your company has been sued over employment practices in the past. The policies will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements. The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI policies. Depending on the size of your company, EPLI can be offered as an endorsement to a Businessowners policy (BOP) or a general liability policy. Also, a specific stand-alone policy can be written in conjunction with a BOP.

This video helps illustrate need of EPLI to all businesses that have employees . This is not just a California EPLI product but one that can be used through out the states.  This is just one of many carriers that we have access to write EPLI polices.

Tips to HELP Prevent EPLI Risk

  • Understand Exposure–  Consult with you ConXis Insurance Services Agent to understand your risk.
  • Job Description–  Create a clear job description that is clear and details expectations of the position.
  • Hiring Procedures– Develop good hiring process to remove unsuitable candidates on paper .
  • Employee Handbook – Explain clearly company’s workplace polices and procedures. Outline key areas such as discipline, complaints, and attendance. Employee handbook should also contain At-Will employment policy.
  • Performance Reviews– SHould be regularly and scheduled make sure results are documented within employee file.
  • Zero Tolerance Polices– Institute zero tolerance polices for discrimination, substance abuse, harassment etc.  Open door policy should be adhered too and should have no worry of retaliation for coming forward.
  • Background Checks – make sure all candidates go through back ground checks.
  • Document Employee Issues– Have record keeping system to document employee issue and what was done to resolve these issues.

EPLI is a policy that insulates a company from potentially large unforseen employee related claims. In more litigious states like California it makes California EPLI coverage even more important in your risk mitigation strategy. Allow ConXis Insurance Services to help you navigate your EPLI coverage options. Please give us a call at 714.563.4333 to help through the process.

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