Employment Practices Liability Insurance
Coverage, Limits and Options
- Provides both defense and indemnity coverage with respect to:
- Wrongful refusal to employ a qualified applicant for employment
- Wrongful failure to promote, or wrongful deprivation of career opportunity
- Wrongful demotion, evaluation, reassignment or discipline
- Wrongful termination of employment, including retaliatory or constructive discharge
- Employment-related misrepresentation
- Harassment, coercion, discrimination or humiliation as a consequence of race, color, creed, national origin, marital status, medical condition, gender, age, physical appearance, physical and/or mental impairments, pregnancy, sexual orientation or sexual preference or any other protected class or characteristic established by any applicable federal, state, or local statute
- Oral or written publication of material that slanders, defames or libels, or violates or invades a right of privacy
- Policy covers all full-time employees, part-time employees, and temporary or leased workers. Independent contractors may be added to the policy by endorsement, subject to underwriting approval
- Third-party claimant provision protects the firm in the event that an allegation is made by a client's employee against your employee while on-site with a client.
- Limits and Deductibles options
- Firms with 10 or fewer employees qualify for CAMICO's small firm program which provides a limit of $100,000 per claim and $100,000 in aggregate, with a deductible of $5,000 per claim.
- CAMICO's standard program provides firms of all sizes limits up to $1 million per claim and $2 million in aggregate, with deductibles ranging from $5,000 to $25,000 per claim.
- In the event of a covered claim, CAMICO has a select panel of experienced employment legal counsel available to defend you and your firm.
- CAMICO's experience shows that early intervention allows for "repair" work, which can minimize potential damages before they escalate. That's why CAMICO's employment practices liability (EPL) program offers incentives for early reporting that could have a significant monetary value for your firm:
- Pre-claim expenses such as attorneys' fees are not charged against the deductible or limit of insurance.
- CAMICO will reduce your deductible by 50% (up to $50,000) for reporting a matter before it becomes a claim, or when formal mediation is employed.
Note: The descriptions included herein are for illustrative purposes only. Actual coverage is subject to the language of the policies as issued. Coverage may not be available in all states.
Advice Services
CAMICO provides policyholders that have employment practices liability (EPL) with access to unlimited telephone and email consulting services in the employment practices and human resources areas. We at CAMICO believe in the value of our risk management services, and we strongly encourage policyholders to take advantage of these free services.
Employment practices specialists are available to advise you on issues that can help you reduce your exposure, including:
- Application and hiring
- Background checks
- References
- Workplace privacy
- Employee handbook assistance and review
- Personnel file maintenance
- Job descriptions
- Age discrimination
- Employee evaluations
- Wage and hour issues
- Policies and procedures
- Vacation/personal time off
- Performance and corrective action
- Workplace behavior standards
- Disability discrimination
- Sex discrimination
Online Resources
As part of CAMICO's ongoing efforts to deliver timely employment practices services as efficiently as possible, CAMICO offers all EPL policyholders exclusive access to the password-protected Members-only site. The site offers a suite of resources, advice and tools that policyholders can immediately download to answer HR-related questions and enhance employment practices throughout the firm.
Resources include:
- HR news section, the latest in HR news, laws and information
- HR articles, published monthly and with a searchable archive
- Glossary of HR terms, to gain an understanding of common HR terminology
- HR forms, including federal, state and business forms
- Customizable job descriptions, searchable by functional area and industry
- Q&A database, which includes a variety of topics
- Employee handbook constructor tool, to help you create a new handbook or update an existing one
- State and federal law section, which summarizes laws in clear language
- HR poster center, where you can purchase legally required HR posters
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