In the wake of the pandemic, the rate of employees filing lawsuits against their employers has seen a significant uptick. This trend is bringing a new concern to employers; what should I do to protect myself? EPLI may be the solution to defending employers and their businesses.

What is EPLI?

Employment Practices Liability Insurance, or EPLI, protects employers from legal claims made by employees regarding firing, benefits, raises, and demotions or promotions. Employers need this coverage to protect their businesses from costly lawsuits.

What Is Covered

Essentially, EPLI can cover a business from claims based on personal grievances alleging problems such as:

• Sexual harassment
• Discrimination
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee benefit plans

EPLI provides coverage for legal expenses, court costs, and damages that an employer may incur due to these claims.

Does the Size or Type of My Business Matter?

EPLI is beneficial to any business with employees, regardless of its size. EPLI covers various industries, including accountants, architects, engineers, contractors, manufacturers, machine shops, commercial printers, restaurants, retailers, and wholesalers/distributors. Even franchised restaurants, gas stations, convenience, and grocery stores can be covered!

Who Needs EPLI?

Owning a business may be reason enough to get EPLI, but if you or your business perform some key employee management functions, EPLI is essential. These functions include hiring or firing employees, demoting or promoting employees, offering raises, communicating to or about employees, and managing employee benefits. In these roles, there is always room for slip-ups or grievances that can result in an employee lawsuit. EPLI can protect you from any of the claims made against you related to the functions performed in employee management.

If you are interested in EPLI, visit www.normandyins.com/epli to apply.

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