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| Employment Practices Liability |
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EPL offers protection against a host of employment exposures. |
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Product Features |
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Fair Labor Standards Act (FLSA) - $100,000 sub-limit for defense costs and loss (available in most jurisdictions) |
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Defense and Settlement Provision (Hammer Clause) softened to cover 75% of defense costs and loss after insured’s final refusal to consent to settle a claim |
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Defense Outside the Limit up to 200 employees if a $500,000 limit or higher is chosen |
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Full Prior Acts coverage for claim-free accounts for most states and classes |
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Punitive Damages with most favorable venue wording included in the definition of Loss (available in most jurisdictions) |
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Front and Back Pay included in the definition of Loss |
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“For” wording applies to Bodily Injury/ Property Damage exclusion |
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Wrongful Act definition expanded to included coverage for the negligent violation of the Uniformed Services Employment & Reemployment Rights Act (USERRA) |
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Independent Contractors are included in the definition of Employee |
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Full Severability |
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Spousal Liability extended to Domestic Partners |
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Final Adjudication wording for fraud exclusion |
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Defense costs coverage for express breach of employment contract |
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Retaliation carve backs for many exclusions |
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Defense costs coverage for claims involving the modification of real property |
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Three Year Policies available |
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| Direct Bill Features |
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1,2,3 option Installments |
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No Interest or Installment Fees |
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| Additional Features |
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A.M. Best rated A to A++ carrier |
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3 Year policy available for most classes and states |
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Optional Third Party Discrimination and Harassment coverage available for most classes |
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Extended Reporting Periods of 1, 2, and 3 years available for 50%, 100% and 150% of the annual premium |
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Free human resources consultation HELPLINE service with unlimited calls and no time limits |
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50% discount on PeopleSystems online Sexual Harassment Prevention Training |
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Competitive pricing |
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Timely responses to all inquiries and submissions |
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Efficient and fair payment of claim |
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Technical competence |
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