Employment Practices Liability Insurance
EPLI offers valuable protection to small business owners.
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Small business owners are vulnerable to wrongful employment practices claims. Now you can protect them, their people, and their businesses.
In today’s workplace, small business owners must protect themselves from wrongful employment claims brought by employees, independent contractors, or even volunteers. Furthermore, owners can be even held liable for acts committed by their employees against their customers. Defense costs and settlements associated with wrongful employment practices lawsuits can seriously threaten the financial stability of a business.
Why should small businesses obtain EPLI insurance?
- Canadian SMEs struggle to acquire and retain talent amid lack of dedicated HR support
- Harassment, incivility, and inappropriate behaviour are consistently pervasive in the workspace
- Employment-related allegations are concerning, as claims and legal costs rise
- Claims litigation costs are increasing, as courts are increasingly awarding additional payments worth up 24 months of salary
- 90% of Canadian employees say they consistently experience some form of incivility at work
- 4 in 10 Small Canadian businesses are concerned about legal action brought by their staff
- 75% of Canadian employees who had experienced harassment, sexual harassment or violence have reported the most recent incident
Watch the video to learn more about EPLI coverage.
Why HSB for EPLI?
EPLI Expertise
- 15 years of EPLI product experience at HSB U.S.
EPLI Risk Management Tools
- Legal Advice Line
SME Focus
- White-labeled coverage specially for Canadian SME needs
Trusted Partner
- We understand the value of partnership and are able to create tailored solutions
What are the coverages for EPLI?
HSB’s EPLI covers 12 wrongful employment practices
- Wrongful dismissal, discharge, or termination
- Harassment
- Discrimination
- Retaliation
- Libel, slander, misrepresentation
- Humiliation, emotional distress, invasion of privacy
- Wrongful discipline
- Failure to provide adequate relevant corporate policies
- Wrongful failure to employ or promote
- Wrongful deprivation of career opportunity
- Negligent supervision
- Violation of human or civil rights relating to any of the above 11 employment practices
HSB’s EPLI also covers Third-Party violations
- Violation of a person (s) human or civil rights
- Humiliation
- Libel
- Mental anguish
- Slander
- Infliction of emotional distress
- Retaliation
- Defamation
- Invasion of privacy
- Unwelcome sexual advances
Who can bring forth the claims covered by HSB’s EPLI?
Employees:
Full-time
Part-time
Leased
Temporary
Seasonal
Other
- Applicants
- Volunteers
- Independent Contractors
Any third party:
Customers
Vendors
Clients
Tenants
Three ways to protect a business from these claims
Train managers and employees in applicable laws and policies
Follow changes and updates in laws and employment regulations
Cover the business with Employment Practices Liability insurance (EPLI)
With employment-related claims on the rise, small businesses may be particularly vulnerable because they don’t have the resources to protect themselves. EPLI coverage from HSB provides small business owners with comprehensive coverage at affordable premiums, providing valuable protection from the exposures they face.
