Employment Practices Liability Insurance (EPLI)

Businesses face an ever-increasing risk of employment-related lawsuits. EPLI coverage is not just a safeguard; it's an essential component of a comprehensive business risk management strategy.

• Statistical Insight: The Equal Employment Opportunity Commission (EEOC) reports that 81% of claims settle at an average cost between $22,400 and $40,500.
• Risk Coverage: EPLI provides a crucial defense against claims including, but not limited to, wrongful termination, discrimination, sexual harassment, and retaliation.

The Scope of EPLI Coverage

Our EPLI policy extends beyond the standard liability insurance, filling the gaps to protect your business, directors, officers, and employees against a spectrum of employee-related allegations.

Key Features of EPLI:

• Comprehensive Protection: Coverage for the company and individual directors, officers, and employees.
• Third-Party Endorsement: Policies can include protection against employee disputes with vendors or customers.
• Wide-Ranging Defense: Legal representation and damages for a variety of claims:
  • Discrimination (age, race, gender, disability, etc.)
  • Retardation
  • Discrimination
  • Sexual Harassment
  • Failure to employ or promote
  • Breach of employment contract
  • Negligent evaluation
  • Wrongful termination
  • Wrongful Discipline
  • Non-compliance with the
  • Americans with Disabilities Act

EPLI: A Smart Business Investment

Investing in EPLI is not merely an expense; it’s a strategic decision to protect your business's financial health and reputation.

• Defense Costs: Legal defense can quickly escalate, even if the claims are groundless.
• Reputation Management: The right coverage helps safeguard your company’s reputation during disputes.

Tailored EPLI Solutions

At E360 Insurance, we don't believe in one-size-fits-all solutions. Our EPLI policies are tailored to the size and nature of your business, providing balanced coverage that matches your risk profile.

• Customized Policies: From small startups to large corporations, we provide policies that meet your specific business needs.
• Affordable Rates: We offer competitive pricing to ensure EPLI is accessible for businesses of all sizes.

EPLI Policy Details:

Get Protected Today

Protect your business against employment claims with EPLI from E360 Insurance. It's more than insurance—it's an investment in your future. Let's talk about simplifying your liability protection today. Fill out the form here.

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Employment Legislation(for your information)

In tandem with securing EPLI coverage, companies must have a thorough understanding of employment laws designed to safeguard worker rights. Compliance with these regulations is not only legally mandated but also serves as the first line of defense against potential lawsuits.

Here's an overview of key employment laws every employer should know:

• Title VII of the Civil Rights Act (1964): Mandates equal employment opportunities by prohibiting job discrimination based on race, color, religion, sex, or national origin.
• The Equal Pay Act (1963): Ensures that men and women receive equal pay for equivalent work in the same workplace.
• The Civil Rights Act (1966): Addresses discrimination rooted in race or ethnicity.
• The Immigration Reform and Control Act (1986): Protects individuals from discrimination based on citizenship or national origin, concerning those authorized to work in the U.S.
• The Americans with Disabilities Act (1990): Prohibits discrimination against individuals with disabilities in all areas of public life, including jobs.
• The Bankruptcy Code: Forbids discriminatory treatment against individuals who have filed for bankruptcy.
• Equal Employment Opportunity Act (1972): Aims to protect minorities from discrimination due to poor credit ratings.
• The Age Discrimination in Employment Act: Protects applicants and employees 40 years of age or older from discrimination based on age in hiring, promotion, discharge, compensation, or terms, conditions or privileges of employment.

Understanding and adhering to these laws fosters a fair and equitable workplace and minimizes the risk of costly litigation. EPLI serves as an additional layer of security, stepping in to protect your business interests should a claim arise despite adherence to these legal standards.