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Employment Practices Liability Insurance

Employment Practices Liability Insurance Frequently Asked Questions Employees are typically the single largest expense to a business year after year. Salary, benefits, and training all contribute to the cost per employee. Employees and potential employees can cost your business in other ways. Harassment lawsuits, racial or sexual discrimination and other employment-related causes of action can cost your business money in legal fees and claims payouts. The best way to protect your business is to purchase Employment Practices Liability Insurance (EPLI). Here are some frequently asked questions about this coverage: Isn’t EPLI included in my Commercial General Liability (CGL) insurance policy? This coverage is NOT usually included in your CGL policy. It would need to be added as part of a package policy or purchased as a stand-alone coverage. If you are unsure, check your policy and then talk to your broker. What does EPLI cover? EPLI policies are tailored to fit your business and may include coverage for harassment, discrimination, wrongful termination, breach of contract, failure to employ, failure to promote, violation of civil rights laws and more. See our document titled “SUMMARY OF EPLI (EMPLOYMENT PRACTICES LIABILITY INS.) RISKS” for a more comprehensive list. Does my business need EPLI? Any company that has employees or plans to hire employees needs EPLI coverage. Even if you only employ family members, or you haven’t hired your first employee yet, you should have this coverage in place. Allegations of misconduct or discrimination can come from anyone at any time, even during the interview or hiring process. EPLI claims and lawsuits can be expensive and time-consuming. Even with little or no indemnity...
Discrimination and the Sharing Economy

Discrimination and the Sharing Economy

The United States has, over many decades, grappled with discrimination issues. The current social and political climate with regard to racial discrimination, age discrimination, gender identity, and even sexual orientation only seems new because the media and the Internet make it seem so. Earlier this year a transgender woman was denied a room by an Airbnb host. A blind woman with a service dog was denied a ride by an Uber driver. Fortune.com recently wrote about all forms of discrimination in the sharing economy. There is a murky line between federal anti-discrimination laws such as the Civil Rights Act of 1968 and the rights of private citizens to decide with whom they will interact.  Cases are making their way through various state and federal jurisdictions trying to determine where one person’s rights end and another’s begin. Despite the unanswered questions of legality, lawsuits on the topic are being filed every week. If you drive for a ridesharing service or list your home on a homesharing site, this is what you need to know about insurance coverage in the event of a discrimination claim. Auto Insurance & Discrimination Is there coverage for discrimination on your auto insurance policy? This one has an easy answer: there is no coverage for discrimination under the Personal Auto Policy (PP0001). The liability portion of the policy states it will pay for bodily injury claims as the result of an auto accident and does not contemplate non-accidental injury. In additional, there is an exclusion for intentional injury, as well as the standard exclusion for injury caused by vehicles being used as livery or public conveyance....