EPLI Total Solutions
For law firms with current Employment Practices Liability Insurance (EPLI) or past losses, The Minnesota State Bar Association with Mercer Consumer offer "EPLI Total Solutions." As your insurance professional, we will present your law firm EPLI profile based on the information completed on the EPLI Application Request Form to our preferred provider.
Why is EPLI Needed ?
* Society of Human Resource Management -2002
What is Protected by EPLI?
Employment Practices Liability Insurance (EPLI) covers charges made by employees against an employer for the following:
These form(s) are in Adobe Acrobat Reader (PDF) format
and are available for downloading and printing.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
With rare exceptions, claims resulting from the above types of offenses are not covered under general liability policies. First, the majority of these acts are not accidental, so they are not considered "occurrences". Also, the injuries they cause do not constitute "bodily injury" or "personal injury" as defined under most general liability forms.
Workers' compensation policies specifically exclude coverage of employment practice issues. A sample exclusion from one policy states: damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, harassment, humiliation, discrimination, against or termination of employee, or personnel practices, policies, acts or omissions are excluded.
Maybe so, but many businesses, both small and large, are more likely to be sued by employees than third party or customer.
Not so. In fact, the accusation of a wrongful discriminatory act is cause for legal action regardless of whether you have one employee or one hundred.
Again not so. "Employer" has been broadly interpreted by case law to include any personnel who works primarily in your place of business, regardless of whether or not they are directly on your payroll.
Apply On-line "1st Time Buyer EPLI Program":
Employment Practices Risk Management Association:
MSBA Employment Practices Liability Insurance EPLI Total Solutions:
EPLI Total Solutions