Employment Practices Liability Insurance



Employment Practices Liability Insurance (EPLI) provides coverage for California business in the event that an employment practice claims is brought upon them. EPLI covers the cost of defense for discrimination and harassment actions and other state and federal employment-related claims.

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Why would I, a California business, need to purchase Directors and Officers coverage?

Statistics show that businesses in California are more likely to face an employment claim than a property or general liability claim, yet many companies are unaware of this coverage. Once these claims manifest, they become an incredible draw on a business's assets. Out-of-court settlements in employments cases average $40,000. The median compensatory award is $218,000, with 10% of wrongful termination claims resulting in awards in excess of $1,000,000. The average cost of defense is in excess of $45,000. Many employers believe their general liability or workers' compensation policies protect them in these situations, the truth is, these policies do not.

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Example of how Employment Practices Liability Insurance coverage can protect your company.

1. Your California business is sued for discrimination after not hiring a person of Latin descent and hiring a Caucasian. In a scenario such as this, your EPLI insurance policy can provide you with legal defense assistance.

2. A supervisor in your California business is accused of sexually harassment by an employee. Your EPLI insurance policy will provide you with coverage for defending your supervisor in the case.

3. An ex-employee claims that you fired them in an act of retaliation. Your EPLI policy will provide coverage for your California business in this scenario

More examples of EPLI Claim Scenarios

Carriers that offer Directors and Officers cover to California Corporations:

Chubb, Traveler's, The Hartford, CNA, and Others listed under Insurance Companies
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