Employment Practices Liability
At Quaker Special Risk, we understand Professional Liability and can work with you to provide exceptional professional liability coverage to meet the unique needs of an insured.
41% of Employment claims are against employers with 100 or fewer employees.
Myth #1: EPL exposure is no greater today that in the past.
REALITY:
1991 amendments to the Civil Rights Act and the passage of The Americans with Disabilities Act gave employees the ability to seek jury trials and obtain punitive damage awards for employment claims. Most lawsuits today contain tort causes exempt from damage caps which can prevent summary motion dismissal leading to greater defense expenses.
Myth #2: Employers are protected by written employment procedures.
REALITY:
Even the best-written procedures and human resource departments cannot prevent an employment claim. Employers must still defend themselves even if a claim is frivolous. Defense costs alone can jeopardize a small firm's financial stability.
Myth # 3: Employers are protected under other insurance policies.
REALITY:
Commercial General Liability policies contain exclusion CG2147 which excludes all employment related claims. Umbrella and Workers Compensation policies also have an employment related practices exclusion. EPL endorsements to these forms provide inadequate coverage and erode limits of liability.
Click on any class to receive an application.
We have the capability to allow your agency to obtain EPL quotes from our website –
If you are interested, please e-mail whouston@quakerma.com and we can provide you with more information.