Commercial Employment Practices Liability Insurance

As an employer, your exposures to legal action from employees have increased enormously over the last ten years. Federal and state laws protect the rights of employees above that of the employer. Most claimants file these lawsuits if they feel that they were wronged by their employer for any of these possible allegations:

1. 1. Wrongful Termination
   2. Sexual or Workplace Harassment
   3. Wrongful Discipline
   4. Age Discrimination
   5. Violation of Employment Discrimination Laws
   6. Violation of Americans with Disabilities Act
   7. Wrongful Failure to Employ or Promote
   8. Wrongful Deprivation of a Career Opportunity
   9. Breach of Employment Contract
   10. Employment Related Misrepresentation
   11. Failure to Adopt Adequate Workplace Employment Policies & Procedures
   12. Illegal Retaliatory Treatment
   13. Invasion of Privacy
   14. Negligent Evaluation
   15. Employment Related Wrongful Infliction of Emotional Distress

The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having these policies are:

Coverage for front/back pay, attorney’s fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retentions for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.