Employment Practices Liability (EPL)

Employment law is constantly changing and now, more than ever, employees and prospective employees are increasingly aware of their rights in the workplace. Increased merger and acquisition activity, cost-cutting measures and a general reduction in the workforce of many companies have resulted in a rising number of employment-related charges and lawsuits.

Even companies with sound employment policies and procedures, a commitment to diversity and good relations with employees are experiencing lawsuits alleging discrimination, harassment, wrongful termination and other employment-related allegations. Regardless of whether or not these claims are justified or meritorious, they mean that companies must defend themselves.  This process is time-consuming and expensive.

Through its suite of Employment Practices Liability Insurance (EPLI) products, Aon Affinity Commercial Services* can help your company safely navigate the myriad exposures to liability in the workplace. 

Employment Practices Liability insurance offers valuable coverage that protects your business against employment-related issues, such as:

  • Discrimination
  • Harassment
  • Failure to hire or promote
  • Wrongful termination

You have worked hard and sacrificed much to build a successful business.  But if an employee accused your company of age discrimination or sexual harassment, would you have adequate coverage to protect your business?  To learn more and receive a free, no obligation quote, call us at 866-283-7128.

Consider These Claim Scenarios**

 Type of Claim:      Federal Lawsuit
 Policy Type:     Employment Practices Liability
 Cause of Action:  Disability, Discrimination/Wrongful Failure to Hire
 Insured Type:   

 Marketing Firm

 Facts:     

An applicant sued a company for failure to hire based upon the hiring  officer’s perceiving the applicant to be disabled.

 Resolution:        

The Insurer paid $80,000 in defense costs and, on the eve of the trial with the Insured’s advice and consent, $35,000 in negotiated settlement in order to avoid further expense, publicity, and disruption.

 
 
 Type of Claim: 

Federal Lawsuit

Policy Type:  

Employment Practices Liability

Cause of Action:

Gender Discrimination/Hostile Environment

 Insured Type:   

Manufacturing Plant

 Facts:    

A group of female employees alleges that management allowed the existence of a hostile work environment for women within a manufacturing plant.

 Resolution:   

The Court awarded each employee $10,000 emotional distress damages, which the Insurer paid in addition to having provided a defense of the matter to the Insured.

Now is the perfect time to make sure you don’t have a gap in your insurance coverage that could put your  firm’s financial well-being at risk.

To learn more and receive a free, no obligation quote, call us at 866-283-7128.

* Affinity Commercial Services is a division of Affinity Insurance Services, Inc.; in CA, MN, & OK, AIS Affinity Insurance Agency, Inc. (CA License #0795465) and in NH and NY, AIS Affinity Insurance Agency.

**The scenarios herein are offered as examples.  Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy.  Please refer to the policy to determine all terms, conditions, exclusions, and limitations of coverage.  Coverage is provided by the property and casualty companies of The Hartford Financial Services Group, Inc. and may not be available in all states.