EPL Coverage

Real Protection Against Employment Claims

Employment claims like alleged harassment, discrimination and wrongful termination can threaten the reputation of your business, management and owners.  Our crusade is to arm you with coverage that can help protect every aspect of your operation – even employment claims.

Our EPL coverage includes liability and defense for claims that allege unlawful employment practices brought by full-time, part-time, seasonal and temporary employees, volunteers, independent contractors and applicants. It also spans punitive Damages (where insurable by law), Full Prior Acts and Optional Third Party Liability and offers flexible limit and deductible options.

Why EPL Coverage and Why Now?

  • Over the past 10 years, EPL claims have arisen from new causes of action that reflect changing demographics, legislative changes and an evolving social and political environment
  • More than 75% of claims are groundless
  • Record settlement amounts with the Equal Employment Opportunity Commission (EEOC)
  • Average EEOC complaint exceeds 1 year to resolve

If you’re not covered, on average, businesses like yours pay the following:

  • Early Settlement (10%) $9,300
  • Arbitration/ Mediation (27%) $27,800
  • Administrative Hearing (54%) $50,200
  • Pre-Trial Settlement (7%) $210,800
  • Tried Cases (2%) $1,000,000 and up
    Source: EEOC and Fair Employment Practices Agencies (FEPA)

We want to arm you with every tool possible to ensure an employment claim never impacts your operation. In addition to our proprietary EPL coverage, we offer resources such as employee handbooks, employment applications, employee training modules, best practices checklists, as well as a toll-free helpline.