Employment Practices Liability Insurance (EPLI)
Every business has employment practices liability exposures and an EPL charge or suit can cost small business thousands of dollars in damages. Although 75 percent of all claims are found to be groundless, they still require significant expenditures to defend and comprehensive General Liability coverage does not cover the types of injuries and damages typically alleged in employment related claims.
Talk to your local independent agent for more details about State Auto's Employment Practices Liability coverage.
Q&A about EPLI
Q: The standard General Liability policy excludes this kind of claim? Show answer.
A: Employment Practices Liability claims.
Q: Without Employment Practices Liability coverage, what might happen? Show answer.
You may be sued and be responsible for significant legal costs to defend your company and any settlement or judgment that may be awarded.
Q: Purchase of State Auto’s Employment Practices Liability coverage will provide free access to what kind of legal service? Show answer.
A: An Attorney with expertise in employment law.
Q: Are sample employment manuals and job applications are available? Show answer.
A: Yes. Sample employment manuals and job applications are available for your use on the EmployerProtection.Net website.
Q: The cost of EPL coverage with a $50,000 limit and a $5,000 deductible for an employer with 10 employees can be as little as this amount? Show answer.
A: It can be purchased for as little as $370.
Q: Our Portfolio EPL coverage automatically includes this kind of coverage? Show answer.
A: It includes third party coverage for suits brought by customers or vendors.