Employment Practices Liability Coverage

Why You Need Employment Practices Liability (EPL) Coverage

You may think of your practice as a family, and it is hard to think that anyone would ever file a complaint. But more and more employment-related claims are filed by employees. Just one employee-related claim can tarnish a practice’s image, dampen employee morale and hurt future recruiting and retention efforts. The costs associated with defending these claims can be staggering and leave a lasting negative impact on your business.

How can you protect your practice?

Most business and commercial policies do not cover employment related lawsuits. EPL coverage can provide protection from the financial consequences of an employment lawsuit or allegation including:

• Employment harassment, including sexual harassment, bullying, and hostile work environment
• Wrongful termination
• Discrimination
• Retaliation
• Failure to employ or promote
• Breach of employment contract
• And More

You have worked hard to establish your practice and you need to protect it in the event of employment lawsuits or complaints. That is where Conventus, can help! Conventus members can now purchase EPL coverage directly from AmTrust EXEC, our newest strategic alliance partner. Tailored to meet the needs of practices, AmTrust’s EPL product offers competitive pricing and broad coverage, including:

• Duty to Defend
• Coverage available in all 50 states
• Punitive Damages Coverage with Most Favorable Venue wording
• Third Party Liability Coverage, if elected
• Workplace Bullying
• Retaliation Carve-Back to the Exclusions
• Spouse, Estate Extension
• Class Action coverage
• Severability of exclusions
• 24-Hour Helpline services as well as enhanced risk management services offered through Zywave.
• Limits up to $5 million
• Sublimit Enhancements *if eligible:
  • Socia Media
  • Identity Fraud
  • Employee Privacy
  • FLSA (Wage and Hour). Not offered in CA
  • Immigration Reform Act expense coverage
  • Workplace Violence