Employment Practices Liability Insurance

EMPLOYMENT PRACTICES LIABILITY INSURANCE – WHAT IS IT?

PROTECT YOUR BUSINESS FROM EMPLOYEE LAWSUITS

DISCRIMINATION, HARASSMENT, WRONGFUL TERMINATION AND OTHER EMPLOYMENT-RELATED CLAIMS

Business owners: If your company ever gets sued by an employee or former employee, you’ll be glad you have Employment Practices Liability Insurance (EPLI) coverage from Miller Carlisle Insurance Services LLC of Carlisle, Pennsylvania.

Employment Practices Liability Insurance secures your valued business and its possessions from possibly harmful claims carried onward by employees or previous employees. With EPLI insurance in place, you will be able to make sure that your professional services business is protected from employees who might have intentions other than just a job. It is truly difficult to read a new employee during an initial interview or even afterwards when they begin to work for you. This insurance will protect you from employees harassing others or customers in addition to individuals creating a hostile work setting and the results that may come from it.

WHAT MAY BE COVERED WITH EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI)?

COVERAGE PROTECTS AGAINST MANY COMMON WRONGFUL EMPLOYMENT PRACTICE CLAIMS

Typically, Employment Practices Liability Coverage is highly recommended for any company with a large number of employees. Obviously, the more employees (and former employees) a company has, the more likely there will be employee disputes.

Whether as stand-alone coverage or a suite of coverages, possible claims against which EPLI coverage may protect your business include:

• Sexual harassment assertions
• Age discrimination
• Discrimination on the basis of race, sex, religion, or other protected classes
• Unjust discharge and wrongful termination
• Hostile work setting
• Absence of advancement exclusive of a reason
• Other employment-related issues

WHO SHOULD PURCHASE EMPLOYMENT PRACTICES LIABILITY INSURANCE?

GOT EMPLOYEES? GET YOUR PROFESSIONAL LIABILITY INSURANCE COVERAGE FROM MILLER CARLISLE

Employment Practices Liability Insurance should be a key part of the protection portfolio of any business with employees, or any business with a long enough history to have a sizable number of former employees.

Additionally, employers with human resources (HR) departments should have EPLI coverage in place, and those HR professionals should be well-versed in what the company’s business insurance policies cover.

WHY CHOOSE MILLER CARLILSE FOR EMPLOYMENT PRACTICE LIABILITY INSURANCE?

WE GO THE EXTRA MILE TO MAKE SURE ANY POTENTIAL EPLI CLAIMS ARE COVERED

If you think insurance is expensive, try not having it – especially when an employee sues your company and legal costs begin to mount. An employment lawsuit can be devastating to a small business or even a large corporation, not only by damaging the company’s reputation but by denting its bottom line.

Since 1978, Miller Carlisle Insurance Services LLC has helped companies throughout Central Pennsylvania protect themselves from employment-related claims such as: wrongful termination; sexual harassment; age discrimination; violations of the Equal Pay Act, Equal Employment Act, Americans with Disabilities Act, Family and Medical Leave Act, or Title VII of the Civil Rights Act of 1964; violations of employment contract; lost wages due to work-related injuries; denial of disability benefits or worker’s compensation insurance; and other alleged wrongful employment practices.

Exactly which types of EPLI coverage depends on your company’s specific needs. Your Miller Carlisle insurance agent can perform a thorough analysis to determine which employment policies you, as the HR manager or business owner, should purchase to cover defense costs, cover court costs, provide sufficient risk management, and ensure maximum protection against EPLI claims.

MILLER CARLISLE KEEPS COSTS REASONABLE FOR PENNSYLVANIA BUSINESSES

AS AN INDEPENDENT INSURANCE AGENCY, WE FIND THE RIGHT PRODUCTS FOR YOUR SITUATION

One of the benefits of working with Miller Carlisle Insurance Services LLC for business insurance policies is our independence. We’re not captive to any particular insurance carrier, so our agents are able to find the best coverage options for your company.

Being an independent agency brings an abundance of advantages to our clients, be they a business owner or an individual. Over the years, Miller Carlisle has established excellent relationships with a range of insurance companies, so we know the “ins and outs” of just about every business owner’s policy from just about any carrier. Miller Carlisle agents leverage that institutional knowledge to put together an intelligently designed portfolio of policies that provide all the EPL coverage your business needs . . . and none that it doesn’t.

Don’t wait until you get sued by an employee or former employee, or until the Equal Employment Opportunity Commission comes calling. Don’t wait until the legal costs start to pile up. Be proactive about Employment Practices Liability (EPL) Insurance and safeguard your business from costly claims by employees or former employees.

HOW DO BUSINESS OWNERS DEFEND AGAINST EMPLOYMENT-RELATED CLAIMS?

WHEN AN EMPLOYEE CLAIMS SEXUAL HARASSMENT OR WRONGFUL TERMINATION, WHAT DO YOU DO?

It’s good practice for employers to prepare for the eventuality of a lawsuit by an employee or former employee, or a group of employees or former employees. This is true for both the small business owner and the senior executives and board members of a large corporation. If you have employees, the possibility exists that you could get sued by them.

So what then?

Then you rely on the expertise of Pennsylvania’s own Miller Carlisle Insurance Services LLC. We’ve been a trusted agency providing business insurance coverage since 1978, and we’re there for you not only when you’re shopping for Employment Practices Liability Insurance, but also when it’s time to defend your company from a claim.

Miller Carlisle agents understand the inner workings of every EPLI policy we broker, whether it’s a general liability policy or errors and omissions coverage, worker’s compensation insurance or protection against claims of discrimination and wrongful termination. Businesses must get value for the investment they make in their insurance coverage, and Miller Carlisle demonstrates that value.

Once your Employment Practices Liability Insurance policies are in force, it’s advisable for employers to inform their employees of the coverage – through HR communiqués, staff meetings, and the employee handbook provided to new hires. Not only does such information help dissuade potential litigation, evidence of such coverage assures employees they’re working for a company that cares about following the law and doing what’s right.

PROTECT YOUR BUSINESS FROM EMPLOYEE CLAIMS. CONTACT MILLER CARLISLE TODAY

AVOID EXPENSIVE DEFENSE COSTS AND SAVE YOURSELF SOME MAJOR HEADACHES

No matter if you’re the owner of a small business or you oversee human resources for large corporations. Obtaining sufficient Employment Practices Liability Insurance (EPLI) coverage from a reputable local insurance company like Miller Carlisle Insurance Services LLC is always the right decision.

Let’s have a conversation about what you’d need your Employment Practices Liability Insurance (EPLI) policy to cover, and what’s most important for your company’s well-being. Contact Miller Carlisle Insurance Services for a complimentary quote, and see how affordable EPL insurance is through us. A trained professional representative will assist you immediately, guiding you through the appropriate insurances and making sure your business is insured for the right amount.

Our experienced agents are easy to reach. Just call 717-243-4400 or email [email protected], or visit the Miller Carlisle Insurance Services LLC home office off Walnut Bottom Road at 19 Brookwood Avenue, Suite 102, in Carlisle, Pennsylvania, the heart of Cumberland County (zip code 17015).

Don’t put your business at risk. Lessen the impact of negative employment issues and alleged wrongful acts with adequate, well-chosen Employment Practices Liability Insurance coverage from Miller Carlisle.

MAKE SURE YOUR COMPANY IS PROTECTED WITH EMPLOYMENT PRACTICES LIABILITY COVERAGE