While most businesses are caught off-guard when faced with employment-related lawsuits such as discrimination, wrongful termination and sexual harassment, it is more common than most would expect. Every employer faces the possibility of being the target of legal action and it is estimated that 3 of 5 businesses will be sued by past, present or future employees.
Typically not covered under General Liability policies, Island Insurance Employment Practices Liability Insurance (EPLI) protects employers for liability damages and defense costs brought on by employment-related lawsuits. Tailored for small to mid-sized businesses with 50 or fewer employees, Island's EPLI coverage requires no separate underwriting application and includes additional benefits such as:
- EPL claims service
- Access to specialized, local EPL legal counsel
- Online resource center containing EPL loss prevention material and employment policies/procedures.
Optional coverages are also available for claims brought by business customers and vendors. For more information regarding an Island Insurance Employment Practices Liability Insurance policy, please contact an independent insurance agent or click here to find an agent on Oahu, Maui, the Big Island or Kauai.