Does General Liability Insurance provide coverage for Sexual Harassment or Discrimination? – No.

Why Employment Practices Liability Insurance (EPLI):

Even Businesses with exceptional human resources policies and procedures are subject to lawsuits for Employment Practices, including but not limited too: 

• Sexual Harassment:  a female employee, who had always been known in the plant as “just one of the guys” and quite comfortable with the saltiest of language, suddenly alleges sexual harassment from exposure to dirty jokes.

• Discrimination: an employee that was recently laid off alleges that he was terminated because of his race.  Other common allegations of discrimination relate to age, national origin, religion and sex.

• Failure to Promote or deprivation of Career opportunity.

• Wrongful Termination

• Third party coverage: A Restaurant patron alleges sexual harassment by staff members. The Investigation determined that the patron had several drinks and was the instigator of the sexual dialog.  Despite a verdict in favor of the restaurant, the Business Owner had to pay a huge sum in legal costs.

Organizations with good HR Policies still face the cost associated with defense of Employment Practices Liability (EPL) claims. While their defense is often successful, the cost to defend is routinely very large.    Employers can protect themselves and reduce or eliminate anxiety with a well written Employment Practices Liability Insurance (EPLI) Policy.  

Call (636-519-0059) or email ([email protected]) today for your free quotation

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