Employment Practices Liability Insurance provides financial protection from a variety of employment suits and complaints. Discrimination, retaliation, and sexual harassment claims are the most common complaints. However, EPL Insurance can also protect you from lawsuits and administrative actions filed for wrongful discharge, defamation, invasion of privacy and other wrongful employment acts. It also covers defense costs. If EPL Insurance is carried, the insurance company connects you with attorneys experienced in employment law. These attorneys focus on your defense, so that you can focus on your business.
Small Employers Can Be Sued Too
Your company is like a family, and it is hard to think of anyone filing a complaint. However, claims like these happened to other businesses and organizations. The following real life claims involved companies with fewer than 25 employees:
- A grocery store manager was terminated after being asked when he planned to retire and was told that the owners wanted a younger man. Plaintiff Verdict: $12,000 plus $63,000 attorney fees. Total $75,000.
- A pregnant employee at an investment firm sued for wrongful discharge from refusing to work on the day of office fumigation. Plaintiff Verdict: $21,295.
- Hispanic and Asian workers at a restaurant were restricted to menial positions and denied promotions despite having more experience than other employees. Plaintiff Settlement: $80,000.
- A retailer refused to provide a paraplegic employee with a handicap accessible restroom, and passed him over for promotion after he complained. Plaintiff Settlement: $69,000.
- An assistant manager at a restaurant harassed two teenage female waitresses, and fired one when she rejected his advances. Jury Award: $105,000.
Can any of these happen to your company?
For more information or a full assessment of your company’s insurance needs, call Beck Insurance Agency in Archbold or Whitehouse, Ohio. Call 567-406-3006, send an email to help@beckinsurance.com, or click here to submit your request.
Joseph D. Beck, CIC, CPRM, President
EPLI is designed to cover you when employees file lawsuits related to:
- Discrimination
- Harassment
- Wrongful discipline
- Wrongful termination
EPLI reimburses you for legal costs, judgements, and settlements up to policy limits, but it doesn’t cover punitive damages, civil fines, or criminal fines.
