Industry-Specific Employment Practices Liability
Unique industry Challenges. Total Customization.
We all know if you have employees or potential employees, you have exposure to liability from them from abusive and hostile workplace to zealots promoting religion in the office. Certain industry segments have unique employment exposures that traditional EPLI policies do not address. Business Risk Partners has developed solutions for several of these unique exposures with specially tailored policies to meet the needs of these industries, including law firms, staffing firms, and professional employer organizations (PEOs). For larger firms, we can also customize an EPL policy for you.
Law Firms
Includes Partner vs. Partner and failure to make partner. Split retentions also available for attorneys versus staff.
Staffing Firms
Separate insuring agreements for temps! Our form offers three insuring agreements: 1. In-house employees; 2. Temporary workers against the insured; 3. Temporary workers against the client company. Unique definition of discrimination to include recruitment, selection and placement of temps.
Professional Employer Organizations
We offer a broad definition of employee, including volunteers, all staff members (full time, part time, seasonal, temporary), leased employees and independent contractors as well as “joint employees”, and people claiming to be employees!
Client company coverage included on an automatic basis. Separate limits available for client companies.
Features like branded loss control portal that includes newsletters with the PEO’s logo to its client companies can be included.
Privacy, Immigration and Wage & Hour (W&H) coverage available for each, all with free loss control.
Still did not find what you are looking for?
For larger insureds, 750 or more employees, we can work with you to customize an EPL product to meet your needs. Starting with a broad definition of “Wrongful Employment Practice” the form includes 20 causes of loss. W&H, Immigration, Privacy Violations, Employment Event can be added, and even defense outside the limit. Appropriate risk management procedures can trigger retention credits of 10-50%. Free unlimited HR support by phone/e-mail, access to state-specific online content for all 50 states, online training, and toll-free Employee Complaint hotline.