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EPLI Insurance

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Don't Sweat the What-Ifs, EPLI Insurance Has You Covered!

At LoPriore Insurance, we understand that businesses hiring employees or independent contractors face unique liabilities. Disputes between workers and employers can escalate into costly lawsuits, posing significant risks to your business’s financial stability and reputation. That’s why we offer Employment Practices Liability Insurance (EPLI), providing comprehensive protection against claims of unfair business practices made by your employees. With EPLI coverage, you can rest assured that your business is safeguarded from potential legal expenses and settlements, allowing you to focus on your core operations with confidence and peace of mind. Our tailored insurance solutions cater to your specific needs, ensuring you have the necessary protection to navigate employment-related challenges effectively.

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Massachusetts EPLI Insurance
Lopriore Insurance Agency

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At LoPriore Insurance, we understand the unique risks businesses face concerning their employees and employment practices. That’s why we offer tailored Employment Practices Liability Insurance (EPLI) solutions, providing comprehensive coverage to protect your business from potential uncertainties related to employee claims of unfair practices.

Our expert team is dedicated to crafting policies that align with your specific needs, ensuring that you are safeguarded from lawsuits arising from employment disputes. From legal expenses to settlements, our EPLI coverage is designed to keep your business protected and thriving, allowing you to focus on your core operations with confidence.

In the face of unforeseen events, LoPriore Insurance stands as your reliable partner, ready to assist you in mitigating employment-related risks. Let us help you navigate the complexities of EPLI insurance, ensuring that your business is well-prepared and equipped to handle employment challenges while preserving a positive and inclusive workplace environment.

Understanding the Importance of
Employment Practices Liability Insurance

 Employment Practices Liability Insurance (EPLI) protects businesses from financial losses arising from claims of unfair employment practices made by employees or job applicants. It covers legal defense costs, settlements, and judgments related to such claims, providing financial security and safeguarding businesses against employment-related liabilities.

What is It?

Employee Practices Liability Insurance (EPLI) offers coverage to employers for claims made by employees, safeguarding them against potential financial losses. This insurance is crucial as it addresses various employee claims, such as discrimination, wrongful termination, harassment, and failure to promote, which can affect any business, regardless of its size or industry. EPLI provides essential protection, ensuring businesses can effectively handle and navigate employment-related challenges while maintaining a positive work environment.

Why Do I Need It?

EPLI insurance is essential to protect your business from the financial risks of employee claims, including lawsuits for discrimination, harassment, and wrongful termination. It provides coverage for legal defense, settlements, and judgments, safeguarding your business's financial stability and reputation.

Who Is It For?

EPLI coverage is beneficial for every business with employees, including those with just one employee. Even small companies are at risk of facing employment-related lawsuits, making EPLI essential to protect against potential legal and financial challenges.

How To Insure My Business

EPLI Insurance - How To Insure Business

In the ever-evolving landscape of the business world, Employment Practices Liability Insurance (EPLI) is becoming increasingly crucial. This specialized insurance protects your business against claims made by employees alleging their legal rights have been violated. These could range from cases of wrongful termination and discrimination to sexual harassment and other employment-related issues. Insuring your business against EPLI claims not only provides a financial safety net but also fosters a more harmonious, respectful, and law-abiding workplace. Our comprehensive guide will help you understand how to choose the right EPLI coverage to meet your business needs, giving you peace of mind as you navigate the complex realm of employer-employee relations.

Tips for buying EPLI Insurance

Purchasing EPLI insurance can be a daunting task. Make the process smoother with our top tips, helping you to analyze potential risks, evaluate coverage options, and choose the right policy to protect your business from employment-related lawsuits.

Assess Your Needs
Evaluate your business's specific risks and potential exposure to employment-related claims. Consider factors such as the number of employees, industry, and any past employment-related incidents.

Review Policy Details
Carefully review the terms and conditions of the EPLI policy, including coverage limits, exclusions, and any endorsements or additional coverage options. Make sure the policy's coverage limits are adequate to protect your business from potential financial losses arising from employment claims.
Educate Your Employees
Inform your employees about the EPLI coverage and any internal procedures related to handling employment-related issues. This can help prevent claims and improve workplace practices.

How much does EPLI Insurance Cost?

The cost of Employment Practices Liability Insurance (EPLI) can vary based on factors such as the size of your business, industry, past claims history, risk management practices, and the coverage limits you choose. Smaller businesses with fewer employees may generally have lower premiums than larger enterprises. Additionally, the industry in which your business operates can influence the cost, with high-risk industries potentially facing higher premiums. To get an accurate cost estimate, it’s advisable to request quotes from your independent insurance agent to tailor the coverage to your business’s specific needs. While EPLI may add to your insurance expenses, its essential protection against employment-related claims and lawsuits can safeguard your business’s financial stability and reputation.

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Factors that Affect The Cost Of An EPLI Policy

The cost of Employment Practices Liability Insurance (EPLI) varies depending on factors like the business size, industry, claims history, and coverage limits. It’s crucial to thoroughly understand these factors to make an informed decision about the right EPLI coverage for your business.

Safeguard Your Business
From Employee Liabilities
Request Your EPLI Quote Today!

Protect your business from potential employee liabilities with Employment Practices Liability Insurance (EPLI) coverage. Request your EPLI quote today to ensure comprehensive protection against claims of discrimination, harassment, wrongful termination, and other employment-related disputes, safeguarding your business’s financial stability and reputation.

EPLI iNSURANCE Coverage Details

EPLI (Employment Practices Liability Insurance) is an indispensable asset in safeguarding your business and employees from the ramifications of workplace-related claims. This critical coverage assures that your company is prepared to address allegations of discriminatory practices, wrongful termination, or harassment, providing financial assistance for legal costs, settlements, and damages. Explore its fundamental components and advantages to ensure a resilient workplace for your team and adherence to legal obligations.

What Types EPLI Insurance Claims are Covered

Employment Practices Liability Insurance (EPLI) offers coverage for a wide range of employment-related claims, including but not limited to

Discrimination & Harassment Claims

Discrimination, in the context of employment, involves treating an employee or a job applicant unfairly based on certain characteristics. These characteristics are often referred to as “protected classes” and can include, but are not limited to:

Race or Color
This includes offensive or derogatory comments, jokes, or actions that are based on an individual's race, color, or nationality.
Sex or Gender
This includes discrimination based on sex, gender identity, or sexual orientation, and can also encompass pregnancy discrimination.
This involves treating someone less favorably because of their age, often targeting individuals who are 40 years old or older.
EPLl Insurance Coverage Harassment Claims
EPLI Insurance Coverage
This involves harassment due to a person's religious beliefs or practices, or lack thereof. It can also encompass harassment due to the religious garments an individual wears.
This is unwanted behavior linked to a person's disability, or perceived disability, which causes distress or harm.
Veteran Status
Discrimination against individuals due to their military service history.
Genetic Information
Discrimination based on genetic information, including family medical history.

Wage & Hours Violation Claims

Employment Practices Liability Insurance (EPLI) also covers claims related to wage and hour law violations. Wage and hour laws, established under the Fair Labor Standards Act (FLSA), govern areas like minimum wage, overtime pay, recordkeeping, and youth employment standards for employees in the private sector and in federal, state, and local governments. Violations can include:

Failure To Pay Overtime
Not compensating employees adequately for overtime hours.
Misclassification of Employees
Incorrectly categorizing workers as "exempt" from overtime pay or as independent contractors instead of employees.
EPLI Insurance Wage & Hours Coverage
EPLI Insurance Coverage - Hours Violation Claims
Improper Wage Deductions
Making unauthorized or illegal deductions from employees' wages.
Failure To Provide Meal Or Rest Breaks
Not adhering to regulations requiring certain break periods during work hours.

Additional Violations

In addition to harassment claims, Employment Practices Liability Insurance (EPLI) may also provide coverage for other types of employment-related violations and claims. Here are some additional examples of violations that may be covered under an EPLI policy:

Breach of Employment Contract
Employment Practices Liability Insurance (EPLI) can offer coverage for breach of contract claims made by employees, providing financial protection to businesses and helping cover legal expenses in contract disputes. This coverage safeguards businesses from potential financial risks and liabilities arising from alleged breach of employment contracts.
Emotional Distress
EPLI insurance may offer coverage for emotional distress claims made by employees, providing financial protection to businesses and helping cover legal expenses in such cases. This coverage safeguards businesses from potential financial risks and liabilities related to allegations of emotional distress arising from employment practices.
Negligent Evaluation
EPLI insurance may cover claims of negligent evaluation made by employees, protecting businesses from potential financial losses and legal expenses arising from such allegations. This coverage provides financial security and helps defend against claims related to negligent assessment or performance evaluations in the workplace.
EPLI Insurance - Breach Of Contract
EPLI Insurance Coverage - Wrongful Defamation
Employment Practices Liability Insurance (EPLI) also covers claims of defamation made by employees. Defamation is a false statement presented as a fact that injures someone's reputation. It's divided into two categories: slander (spoken defamation) and libel (written or broadcast defamation).
Wrongful Discipline
EPLI insurance may offer coverage for claims of wrongful discipline made by employees, safeguarding businesses from potential financial losses and legal expenses associated with such allegations. This coverage provides financial security and helps defend against claims related to improper or unjust disciplinary actions taken in the workplace.
Wrongful Termination
EPLI insurance may provide coverage for claims of wrongful termination made by employees, offering financial protection to businesses and assisting with legal expenses in such cases. This coverage helps safeguard businesses from potential financial risks and liabilities related to allegations of unjust or improper employee termination.

Employment Practices Liability Insurance (EPLI) provides essential protection against various employee claims. In the face of rising employment-related lawsuits and claims, having a robust EPLI policy can provide a solid layer of defense, ensuring the longevity and success of your business

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Extra Security, Extra Peace of Mind

Get a free quote for Employment Practices Liability Insurance (EPLI) from LoPriore Insurance and ensure your business is fully protected from potential employment-related claims. Their expert team will offer customized coverage options to address the specific risks and needs of your business, providing peace of mind and comprehensive protection.

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EPLI Insurance FAQs

The general liability limits in a business owners policy or commercial policy provide coverage for bodily and advertising injury and property damage. It does not cover costly employment claims like sexual harassment.

Most employers assume worker’s compensation covers all employee-related issues. However, it’s important to remember that worker’s compensation exists to protect your employees against bodily injury and to pay for legal coverage due to related negligence. An EPLI policy provides additional coverage for claims made by employees.

EPLI policies cover the defense costs of claims for wrongful termination, breach of contract and loss of benefits.

Cost of coverage varies. Many factors go into the price of an EPLI policy, including:
• Number of employees
• Rate of employee turnover
• Employment procedures
• Desired amount of coverage
• Desired amount of deductible or self-insured retention
• Past claims

Most EPLI policies are “claims-made”, which means the policy must be in effect both when the alleged event took place and when a lawsuit is filed. Policies can be created with a retroactive date, which covers incidents before the policy was purchased.

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