Employment Practices Liability (EPL) insurance helps protect employers from claims made by employees alleging wrongful termination, discrimination, or harassment, including sexual harassment. EPL insurance coverage pays for liability damages and defense costs due to covered claims brought by full-time, part-time, temporary, and seasonal employees.
Adding Central's EPL coverage to your small business policy is an affordable way to safeguard your business from potential costly losses. Charges or lawsuits relating to employment matters can significantly impact your business's financial health or even pose a threat to its existence. That's why EPL coverage is essential for every small business.
In addition to the policy, Central provides access to experienced EPL claim specialists. Should you require legal representation, specialized employment attorneys and an EPL Legal Advice Helpline are available. We also offer a loss prevention website featuring model employment policies and procedures, information about laws, and advice to help prevent or minimize employee complaints.
There are numerous federal and state laws under which employees may bring actions against you for allegations such as sexual harassment, discrimination, and wrongful termination. Employees know these laws and are more likely to pursue legal rights and remedies. Consequently, employers often find themselves having to spend substantial amounts on legal defense to disprove groundless allegations made by employees.
Protect your small or mid-sized business against employment-related charges and lawsuits with EPL insurance coverage from Central. Contact a Central agent near you to find out more about EPL coverage or for an insurance quote.
The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central agent.