Employment Practices Liability (EPL) Insurance provides protection to employers against claims made by employees alleging discrimination based on sex, age, disability, race, wrongful termination, harassment, and other employment-related issues such as failure to promote. Larger companies typically have substantial coverage for employment practices however small businesses can be particularly vulnerable to employment claims and exposure can take place from the moment a prospective employee is interviewed. This makes Employment Practices Liability Insurance very important to ensure businesses of all sizes are properly protected.
Business owners may want to consider the possibility that an employment practices claim can significantly impact their business. If you have employees, you are subject to many federal and state employment laws and while following all legal guidelines surrounding employment practices may lower your risk of a lawsuit, Employment Practices Liability Insurance ensures you have protection should the need arise.
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