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 Westchester®, A Chubb Company, our newest strategic alliance partner. Tailored to meet the needs of practices, Westchester’s® EPL product offers competitive pricing and broad coverage, including:

• Duty to Defend
• Non-Rescindable & Non-Cancellable policies
• Sub-limit for class-action wage and hour claims defense (in most jurisdictions)
• Retention waiver for early settled claims
• Definitive Third-Party coverage
• Additional excess $1 million in costs, charges and expenses coverage
• EPL Assist™ – free & unlimited access to legal experts
• Limits up to $5 million