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EPLI Insurance - Employment Practices Insurance is a policy which protects and defends liability your company and your employees (and 3rd party contractors) from claims for alleged sexual harassment, alleged discrimination based on age, sex, sex, of wrongful termination and disabilities. The scope extends to actions brought against you under the ADA, American Disabilities Act.

The number of cases, employment practice and the average price in California, has dramatically over the past 10 years, so we recommend you to take action.

The good news is you can affordable quality insurance coverage. The bad news is at your own risk employment data increases every day. The EPLI claim ball begins to roll down the hill and takes ride fast. Every day we read about an employee eating a substantial award from an employment claim. As more employees win substantial awards more plaintiff attorneys view employment claims as a good source of income. Therefore, more employees and plaintiff attorneys see employment claims as a means to earn money and lawsuits against businesses, schools, municipalities, non-profit organizations, associations and even the President of the United States!

Any company or organization with employees is to purchase employment practices liability insurance (EPLI). An employee is an employee of your company, whether in part or full time. Enterprises with 0 to 20 employees have the same exposure as harassment larger companies, but have a limited impact on labor and discrimination claims because they are not in certain federal guidelines. Companies with 20 to 50 employees have a significantly higher risk than companies with 20 employees or less, businesses with 20 to 50 employees must comply with the civil rights and labor law. Any company with more than 50 employees is due to the extensive range of federal and state civil rights and labor law.

EPLI covers defense costs, judgments and settlements (up to policy limits) for the legal person, former and current employees, directors, and officers. It includes a variety of work in connection with legal action, including:

* Discrimination
* Sexual harassment
* Unlawful Termination
* Breach of employment contract
Negligence Rating *
* Failure to employ or promote
* Bankruptcy wrongful discipline
* Withdrawal of career
* Bankruptcy wrongful infliction of emotional stress
* Mismanagement of employee benefit plans

EPLI policy does not cover Workers' Compensation, personal injury or property damage, not even that they cover cases other insurance covers specifically.

EPLI premiums

EPLI vary from state to state and from company to company. Generally an insurer calculates premiums by the amount of coverage of a company and its risks. An insurer will be based on several sentences risk factors, including the number of employees in a company, the sales ratio, irrespective of whether the company has a personnel department, and any harassment or bias on past complaints against the company. Companies with 10 to 20 employees, good HR practices and a clean image with which to pay approximately $ 1,500 per year for EPLI coverage.

Employers can provide evidence of their liability and insurance exposure of prices by certain precautions:

* Non-employees with histories of drug or alcohol abuse.

* Institute for zero-tolerance policy against harassment, discrimination, and alcohol and drug abuse.

* Develop an employee handbook standards, the capacity and performance you expect for each position.

* Measure the performance of your employees on a regular basis.

* Discuss workplace liability with your insurer to see if your company should consider an EPLI policy.

Companies that purchase EPLI coverage actually reduce the likelihood of harassment and discrimination in the workplace. Insurers generally review a company to check for workplace liability before issuing a policy. And because insurers hate risk, they will usually recommend changes that the company exposure to lawsuits. Many of the steps you can take to ward off harassment claims and the demands of insurers begin with basic education and setting up the right environment.