Employment Practices Liability Insurance

Employment Practices Liability Insurance (EPLI) is now being made available to small businesses by major insurance carriers as the courts and the plaintiff's bar have upped the ante for small businesses as well. Federal civil rights employment lawsuits have increased dramatically since 1990. EPLI covers the defense of most employment-related claims such as negligent hiring, wrongful termination, discrimination or sexual harassment.

Hiring and managing employees today is risky business for any employer but particularly for small ones. There are over 460 pages of regulations in California's Labor Code. There are over two dozen federal and state laws regulating employment that require compliance by employers with as few as one worker. Over a dozen federal and state agencies exist for the sole purpose of enforcing compliance with the various labor and employment laws and regulations. Several of them have authority to award punitive damages if a violation is found.

Most of these employment laws were passed when many employers were larger and could afford the in-house legal and human resources expertise required to achieve compliance and avoid legal problems. Now small businesses are faced with having to comply but don't have the deep pocket resources necessary to protect themselves.

It's becoming important for everyone who has employees to have EPLI. "Employers are liable for anything their employees do, whether they know about it or not."

THE BIG ISSUE NOW IS NOT JUST SEXUAL HARASSMENT but... WORK-PLACE HARASSMENT.

Haas Insurance has an excellent policy that can protect you.

Email us or call 209.795.5959 for a competitive proposal!

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