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Employment Practices Liability Plus
An added layer of insurance to protect small businesses from employment-related lawsuits and critical incidents
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Liability and critical incidents coverage for small employers
Employment Practices Liability Plus Insurance—EPL and critical incidents
Affordable and easy to add
HSB Employment Practices Liability Plus provides comprehensive coverage at affordable premiums for small businesses. It can be easily added as an endorsement to a business owner’s underlying Business Owners Policy (BOP) or other Commercial Package Policy (CPP).
Comprehensive coverage
This insurance program covers a wide range of liability and defense costs from claims that allege unlawful employment practices brought by full-time, part-time, seasonal and temporary employees, recognized volunteers, independent contractors, and applicants. You can even add optional third-party coverage for discrimination and harassment claims brought by customers or vendors. It also covers costs to help prevent or respond to workplace critical incidents, including professional communications response, counseling services, funeral and burial expenses, family travel costs, workplace security guards, loss of business income, and preparedness planning.
Employment Practices Liability Risk Management Services
Claim examples for employment practices liability and critical incidents insurance
Settlement: $100,000/Defense: $45,500
Settlement: $55,000/Defense: $40,576
Settlement: $40,000/Defense: $12,000