Employment Practices Liability Insurance – Protection for When the Heart of Your Business is Threatened
Affordable Coverage Protection Against A Costly Surprise
Did you know that in 2015, the Equal Employment Opportunity Commission received 23,646 claims involving religious and age discrimination? In the past, only large companies could afford expensive stand-alone Employment Practices Liability (EPL) policies to protect themselves against those types of claims.
However, quality protection is now available for smaller businesses just like yours. EPL coverage from Badger Mutual Insurance is easy, affordable, and provides comprehensive protection for your business when the mental and financial shock of an employment claim arises.
Even Small Businesses Can Face An Employment Claim
In today’s workplace, small business owners must protect themselves from employment claims brought by their employees, leased employees, independent contractors, applicants for employment and even third parties such as clients, customers and vendors. Discrimination, sexual harassment, wrongful termination – these are just some of the charges that employees and others can file at any time.
Exposures are increasing for every business, regardless of size. The workforce is as demographically diverse as ever. Social and cultural trends such as religious and political differences, the use of social media, and even telecommuting requests are changing the face of today’s workplace.
It’s Not Just About Federal Law
The legal environment is placing even more legal responsibility on business owners regarding these types of wrongful employment behavior. In addition to the federal statutes, businesses must be aware of state and local jurisdictional employment discrimination laws, which typically provide even broader protection for the employee, not the employer.
With so many resources to protect employees, let Badger Mutual Insurance be your source of protection as the employer.
Employment Practices Liability protects against a wide range of wrongful employment acts, including, but not limited to:
Harassment or coercion (including sexual harassment)
Employment-related misrepresentations to employee or applicant
Employment-related libel, slander, humiliation, mental anguish, infliction of emotional distress, defamation or invasion of privacy
Wrongful failure to employ or promote
Failure to provide or enforce adequate or consistent corporate policies and procedures relating to any “wrongful employment act”
Negligent supervision or hiring
Violation of an individual’s civil rights as related to these other wrongful employment acts
Third-party violation with respect to clients, customers or vendors (Optional)
Legal advice helpline provides access to an attorney for business owners to obtain general employment guidance
Loss Prevention Website provides current, ready-made employment policies and procedures to keep you in the know and to assist you in building effective human resources policies to mitigate your risks