Did you know that a company is more likely to have an Employment Practices Liability Claim
than a General Liability Claim?
Coverage Includes:
- Industry leading broad “All Risk” coverage for violation of any state, federal or local
civil rights or anti- discrimination law.
- “Wrongful Employment Practice” definition includes:
- Workplace Harassment
- Retaliation
- Failure to Promote
- Demotion
- Invasion of Privacy
- Defamation
- FMLA
- USERRA
- FLSA ($100,000 per claim and aggregate sub-limit)
- "Wrongful Termination" includes constructive discharge
- Includes punitive damages where allowed by state law, up to policy limits
- Prior acts options (not available in CA)
- Vicarious liability coverage for “All Intentional Acts”
- Worldwide coverage
- Defense outside the limit coverage available
- • Third party discrimination coverage available
- EPL hotline staffed by employment practices attorneys
- Access to web-based loss control/Human Resource services available at no additional cost (Effective 1/04)
- Admitted in 20 major states
Also Included:
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Our policy covers “All” employee types (i.e. full-time, part-time, independent contractors,
temporary employees, lease employees, volunteers, seasonal, etc.)
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“We write “All” classes of business except governmental agencies, bars, night clubs and
adult entertainment facilities (other exceptions in California).
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Coverage placed with insurance carriers that are rated “A XI” (Excellent)
by A. M. Best company.
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Coverage is subject to conditions and exclusions described in the policy. For complete
terms and conditions, refer to the policy itself.
Applications