Why You Need Employment Practices Liability Insurance in California

 Employment Practices Liability

Employment Practices Liability Insurance is a type of insurance that you may not have considered as being an essential part of your California business insurance coverage package. It’s easy to understand why coverage for inventory losses, fire, or employee injuries is necessary, but you may wonder exactly what Employment Practices Liability insurance covers. Employees, contractors or customers can file suit alleging all kinds of offenses on your part including:

  • Wrongful Termination
  • Sexual Harassment
  • Failure to provide ADA accommodations
  • Failure to Promote
  • Religious Discrimination
  • Privacy violations on your part

There are a few things you can do to decrease the likelihood of such suits ever being filed by your employees:

  • Have an employee handbook with policies that address these types of issues, as well as all other employee matters such as vacation policies, sick leave, work hours, etc
  • Always follow proper procedures when dealing with employees, whether for disciplinary issues, promotions, hiring, or any other situation.
  • Be sure you know and understand all the applicable laws and practices so you run less of risk of unintentionally discriminating.

EPLI will pay for your legal costs of defending the suit, and often the judgements, claims or settlements of the case.   Contact Fidelity Insurance Service today to ensure you have complete coverage to protect your business.