Employment Practice Liability includes any of the following directed against your employees, temporary workers, former employees, or applicants for employment, and for which remedy is sought under federal, state, or local statutory or common Civil Employment law:
- Wrongful refusal to employ;
- Wrongful failure to promote;
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Wrongful demotion or discipline and/or negligent valuation or reassignment;
- Wrongful termination of employment, including retaliatory or constructive discharge;
- Harassment, coercion, discrimination, or humiliation as a consequence of race, color, creed, national origin, marital status, medical condition, gender, age, physical appearance, physical and/or mental impairments, pregnancy, sexual orientation, or sexual preference; or
- Oral or written publication of material that slanders, defames, or libels an employee or violates or invades an employee’s right to privacy.
These types of lawsuits are very costly to defend. Without any protection from insurance, such lawsuits could be a financial disaster for your business.
Non-Profit Organizations are not immune; immunity typically applies to volunteers, not to paid employees or the organization itself. Employment-related laws are the same for any type organization. Over 90% of the claims against Non-Profit Organizations are Employment-Practices related. Nearly 86% of Non Profit Organizations have an annual budget that is less than the average cost to defend a claim closed by litigation.
Some carriers are now offering this coverage as an endorsement to your Business Owners Policy. We also have several stand-alone policies that can be written alongside your Insurance Program. Contact your Agent or Customer Service Representative for more information. Or view our web site at www.hwpinsurance.com
