Employment-related claims are a serious risk to any
business. To lessen that risk, AmTrust offers Employment Practices Liability
Insurance (EPLI) coverage—a comprehensive, low-cost product that is necessary
to protect small businesses from employment practices liability exposure,
especially in today’s lawsuit-happy world.
Our EPLI product provides free risk management services
that were previously available only to larger companies. In addition, our EPLI
product provides the insured with coordination of defense counsel, rather than
selecting their own, which has shown to reduce costs by more than 35%.
Types of Coverage
The AmTrust EPLI product provides coverage for all
employees including full-time, part-time, seasonal, temporary, volunteers and
dedicated independent contractors and includes both Standard and Enhanced
coverage options. The enhanced version covers inappropriate third party conduct
and punitive damages.
EPLI-related Insured Events include:
Discrimination
Sexual harassment
Wrongful termination/demotion/discipline
Failure to hire/promote/fire/demote
Wrongful infliction of emotional distress
False imprisonment/detention, malicious prosecution
Libel, slander, defamation of character
Invasion of privacy
The website, www.amtrustworkplace.com, provides the
following resources:
Online training to prevent sexual harassment—that meets
stringent requirements in several states
Online training for following proper procedures of
employee terminations
Online training to prevent employee discrimination
Information on compliance with wage and hour laws
Customizable employment policies and procedures,
available in English and Spanish
Example employee handbooks
Human resources policies
FAQs
EPLI is straightforward, low cost, and is easy to add
The AmTrust EPLI product has every advantage and no
downside. EPLI can be automatically added to class-qualified policies; it has
straightforward underwriting rules; and it is low cost.
Additionally, our EPLI product also provides personal
contact within 24-48 hours of all claims submitted; and, includes a risk
management website for both agents and insured’s.
For additional information on EPLI coverage, please
contact your Regional Sales Manager.
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