Reduce Employment Practices Liability Insurance Claims

September 03, 2019 Blog

Work with an Experienced Insurance Brokerage

In today’s age of social media coverage, even a small misunderstanding can land your company in hot water and, possibly facing a lawsuit. Sexual harassment, unlawful failure to promote, or wrongful termination claims are only a few of the reasons an employee may be likely to sue you. Are you protected? Can you afford to fight a legal battle when it comes knocking at your door?

Protect your company when you purchase an employment practices liability insurance (EPLI) policy. The experienced team at the Business Insurance Center works with you to ascertain the best types and amounts of coverage for your situation. We listen to your needs and design a plan that works within your budget.

Steps You Can Take to Mitigate EPLI Claims

Take a look in the news, on social media, or the Internet, and you will quickly learn that no business is safe from a potential lawsuit. All it takes is one disgruntled employee to bring your enterprise to its knees.

Imagine owning a restaurant and firing an employee for persistent tardiness only to be slapped with a lawsuit for wrongful termination. How can that happen? Because, just before you fired them, they filed a complaint with the Health Department. Now it looks like they were terminated as retribution. Without the proper guidelines and insurance in place, you could be facing an uphill battle. These are just possible scenarios and each business will have it’s own set of potential risks. Risk aversion is critical!

There are steps you can take to mitigate employment liability claims, such as:

  1. Establish processes to keep new candidate information closely guarded during the hiring process.
  2. Require all your employees, whether it is two or 500, to sign an “employment-at-will” policy.
  3. Have regular and consistent harassment and discrimination training. At the minimum, hold these training sessions annually.
  4. Create and distribute an employee handbook that contains an equal employment opportunity policy and a process for filing complaints of discrimination or harassment. It is a good idea to review and update it regularly.
  5. Develop a code of ethics policy that lists those activities all employees should avoid.
  6. Make sure all your employees, especially new hires, receive the proper training for their roles.
  7. Investigate any claims of harassment and then discipline as necessary.
  8. Thoroughly document all evaluations, complaints, and issues that led to a termination of employment.

Thwart Potential Employment Practices Liability Claims with Help From Business Insurance Center

Preparing for a potential lawsuit is a smart business practice. This can be done in many ways starting with company guidelines and policies. It also pays to speak with a broker from the Business Insurance Center. We work with a variety of different industries, and we understand that no two companies have the same needs. Give us a call before it is too late.

Request a quote online or call (888)-585-0511 and speak with a knowledgeable and experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. We serve the entire United States.


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