Employment Practices Liability Insurance (EPLI)
Employment Practices Liability insurance (EPLI) offers valuable coverage protecting a practice owner against employment-related issues, such as (this is not an all-inclusive list):
- Discrimination
- Harassment
- Failure to hire or promote
- Wrongful termination
Lindsey reminds you EPLI is recommended for just about any business with employees, including dentists. At its core, it will protect you, as a business owner, in the case of employee related lawsuits that allege unfair or inappropriate acts.
If you were accused by an employee of age discrimination or sexual harassment, would you have adequate coverage to protect your practice? Do not assume this cannot or will not happen to you; it happens to many business owners … often, the employer has done nothing wrong. It is possible for a claim be triggered simply by a false accusation.
EPLI can be added as an endorsement to your Business Owners policy or broader coverage may be written on a stand-alone basis. An added benefit of selecting a stand-alone policy is the risk management assistance that is included. A call can be made to the risk management team to assist you with steps to take if you are wanting to terminate an employee, looking for help with disciplining an employee and so much more.
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