Employment Practices
Liability Insurance

AIS Business Specialist Helping Protect Your Business

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Overview

As a business owner or manager, you want to avoid any claims by employees against your company. Typically, human resources and legal departments assist a company in remaining compliant by navigating potential issues. However, these departments are resources that are not always available to small and mid-sized business. Regardless of your company size, Employment Practices Liability Insurance is an important asset that protects employers against employment-related issues.

What is Employment Practices Liability Insurance?

Employment Practices Liability Insurance, also known as EPL or EPLI, covers a company from claims made by employees (and even employee candidates and contractors) alleging harassment, discrimination, wrongful termination and other employment-related issues.

The Basics of Employment Practices Liability Insurance

What it Covers

EPLI can help cover the financial liabilities from legal fees, settlements, and judgments that result from a claim against your business. Only employment-related issues are covered, such as:

  • Breach of an employment contract
  • Defamation
  • Discrimination, based on age, race, gender and other factors
  • Failure to employ or promote
  • Infliction of emotional distress or mental anguish
  • Mismanagement of employee benefits
  • Privacy violations
  • Sexual harassment
  • And more (visit www.iii.org for more)

Limiting Liability Risk

Aside from adding Employment Practices Liability Insurance to your business insurance policy, it is wise to take proper measures to limit your liability risk. The first thing to do is to educate yourself on relevant matters by gaining a basic understanding of employment law. Consider establishing clear policies in writing, setting job descriptions, conducting background checks, having effective record keeping, and setting zero tolerance policies on harassment, discrimination and abuse. These are just a few recommendations but seeking legal counsel and having the right insurance agent are crucial.

Buying Employment Practices Liability Insurance

EPL is an important type of coverage you should buy from a knowledgeable insurance agent who is part of a team that specializes in business/commercial insurance. You can buy this coverage as a separate policy or it can be added as an endorsement to your General Liability or Business Owners Policy (BOP).
Experts, like our AIS Business Specialists, can assist you in using ELP insurance to reduce your vulnerability to financial loss.

How AIS Business Specialists Support You

Our Specialists have a keen eye for helping you identify areas where your business may be exposed to a loss. They will help protect you. AIS specialists search top-rated insurance companies and present you with the best options in terms of coverage and savings. Furthermore, there are no broker or service fees. We're truly on your side.

What Do I Need When Calling AIS to Shop for Coverage?

Unlike other types of business insurance that require lots of information, receiving a quote for Employment Practices Liability Insurance is easy and straightforward. All you’ll need to provide is basic information about your business and possibly some details on past claims. This information will help our Business Specialist search top insurers so you can choose the coverage you most value.

Let's Get You Covered

Remember, Employment Practices Liability Insurance is an investment and protection that is crucial to a thriving business. AIS Business Specialists are ready to assist you. Call us today at (866) 570-7335.

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