Employment practices liability insurance, known in the profession as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging wrongful termination, discrimination, harassment, and other employment-related issues. The cost for EPL insurance coverage depends on the type of business, the number of employees, employee job duties, financial statements, prior claims, employee turnovers and years in business.
Employment practice liability insurance include the following:
An employee files a claim against an employer alleging he/she is wrongfully terminated from their position.
An employee files a claim against an employer alleging and employment-related discrimination on the basis of any federal, state or local law such as race, color, gender, pregnancy, military service, sexual orientation, religion, age or disability.
An employee files a claims against an employer for sexual, physical, or verbal harassment by the employer, co-workers, or management. It may cover the categories of harassment as currently defined by the Equal Employment Opportunity Commission.
Employee alleges and employer for any of the following (Libel, Slander, Mental Anguish, Emotional Distress, Breach of Contract or Promotion)
Note: EPLI does not cover wages laws governed by Department of Labor such as minimum wages and overtime requirements.
Adult Day Care (ADC) / Adult Health Day Care
Adult Residential Care Facility (ARF)
Assisted Living Facility
Group Home / Small Family Home
Home Care Organization / Home Health Agency
Independent Living Facility (ILF)
Intermediate Care Facility (ICF)
Residential Care Facility for the Elderly (RCFE)
Liability + Property + Auto + Umbrella
Employment Practice Liability
(619) 275 - 1814
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Every facility needs to review its company's employment practices and enforce rules and procedures to reduce EPL claim. Below are some recommendations:
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Other insurance to consider for your facility.