The law in many states is meant to provide employees and candidates with protection from discrimination and other unfair work practices. Do you have the proper business insurance near you should you or your employees break the law?

Certain groups, which were at one point discriminated against (and in many ways still are), have protection under the law. The number of employee lawsuits has increased in the recent years, and businesses of all sizes are vulnerable to lawsuits. While massive corporations have the resources to sweep immoral actions under the rug, small businesses do not have that ability. So, what business insurance near you do you need? Employment practices liability insurance (EPLI) can protect your business from lawsuits filed by employees (former, current, or potential), and give you the resources to defend your business.

What does EPLI cover?

EPLI can cover legal costs, settlements, and judgments that come from the following lawsuits:

• Sexual harassment.
• Discrimination based on religion, gender, race, age, and other factors.
• Defamation
• Wrongful termination
• Privacy violations
• Breach of employment contract
• Caused emotional distress or mental anguish
• Breach of employment contract
• Violation of the Family Medical Leave Act, or other similar Acts and laws

What does EPLI not cover?

EPLI covers much, but not everything. As is the case with all insurance policies, EPLI has exclusions. The following examples are not covered by EPLI. Violation(s) of:

• National Labor Relations Act
• Occupational Safety and Health Act
• Worker Adjustment and Retraining Notification Act
• Employee Retirement Income Security Act

EPLI also becomes void should any lawsuits arise through workers’ compensation laws. Punitive damages or claims that result from criminal behavior, or privacy violations that result form a server breach (cyber hack) may also not be covered by EPLI.

You need the right insurance company to find the perfect business insurance near you, CA. If you want to find the best policies at the best rates, contact Castroll Insurance.