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Employment Practices Liability (EPL)

This coverage pertains directly to business owners, partners, and employees.   Your employee could file an employment related lawsuit against a co-worker, manager or owner for sexual discrimination, harassment, or wrongful termination.  Even if the accused person is innocent, preparing a legal defense can be costly.  Lawsuits can impose huge settlements, judgements, attorney fees and court costs.

EPL provides coverage for employment related lawsuits based on:

All discrimination acts
Wrongful termination
Sexual harassment
Defamation
Invasion of privacy
False imprisonment
Independent contractors
Leased employees
Interference with contractual relations
Vicarious liability for all intentional acts

Violations of:

Equal Pay Act
Age Discrimination
The Civil Rights Act
Fair Labor Standards Act
Americans with Disabilities
Family and Medical Leave Act

Plus,

Negligent supervision or hiring
Deceit, fraud and/or misrepresentation
Intentional infliction of emotional distress

There are no exclusions for:

Labor Arbitrations
Punitive and/or Liquidated Damages
Retaliatory Damages
Downsizing
Non-monetary relief
Benefits as damages
Prior knowledge

Here's what to do next:

Business owners cannot afford to be without this coverage.  Find out more and get a quote contacting our office.  Various coverage limits are available.  Don't wait to find out later that you should've bought the coverage.