Employment Practices Liability
Would your practice veterinary medicine without malpractice or fire insurance? If you answered no—you should secure employment practices liability (EPL) insurance immediately because it is just as important to a practice owner. EPL coverage responds to allegations such as wrongful termination, discrimination and sexual harassment. If you haven’t checked out the PLIT-sponsored EPL Program yet, now is the time.
Learn more about employment practices risks by watching this video produced by The Hartford.
Current, former, or prospective employees may claim they were victims of illegal employment-related discrimination such as:
- Pregnancy Discrimination
- Racial Discrimination
- Religious Discrimination
- Age Discrimination
- Disability Discrimination
Individuals may allege that they were subjected to sexual harassment in the workplace.
Third Party Liability
Coverage for claims alleging discrimination or harassment brought by a third party against the practice or its employees is available by endorsement for an additional charge.
An EPL policy will respond to allegations from an employee claiming he or she could no longer tolerate the work environment and was compelled to resign or retire.
Duty to Defend
With an EPL policy, the insurance company has a duty to defend you against covered allegations. Transfer your risk and the legal fees to the insurance company.
Human Resources Help Line
Policyholders can receive human resources consulting advice through the H.R. Help Line, which is provided by a national law firm that specializes in employment law. The attorneys who service the H.R. Help Line do not act as legal counsel to callers, but rather as human resources consultants, providing information regarding employment laws and risk control strategies. For example, callers can receive guidance about the impact of certain employment laws upon their workplace, and general information about the implementation of human resources policies and procedures. (Please note that the H.R. Help Line can not provide legal advice pertaining to specific personnel decisions).
Optional Punitive Damage Coverage Sublimit
Most EPL policies exclude punitive damages.
Loss Prevention Services
Discounts are available for on-site visits.
Click here to apply for employment practices liability coverage!