EMPLOYMENT PRACTICES LIABILITY INSURANCE FROM WORCESTER SPECIALISTS
Proudly Providing Employment Practices Liability Insurance to Businesses in Massachusetts & 25 Other States Across the Nation
Managing employees is a part of business. Decisions have to be made regarding hiring and firing, promotions, and disciplinary actions. Employers are expected, by their employees and by Massachusetts and federal laws, to treat all employees and candidates fairly, equally, and with respect. If they do not, lawsuits can result. Employment practices liability insurance can help cover the costs associated with a lawsuit brought against you by an employee.
Worcester Employment Practices Liability Insurance
Employees are protected by law by a number of statutes including:
- The Civil Rights Act, which bans discrimination based on race, religion, sex, and national origin.
- The Americans with Disabilities Act, which prohibits discrimination based on disability and sets forth requirements for accommodations for disabled workers
- The Family Medical Leave Act, which protects the job of a person for up to 12 weeks of unpaid leave for qualifying medical and family situations.
These and other federal and state laws ensure that employees are treated fairly in the workplace. While most employers abide by these laws, when contentious issues such as hiring, firing, and discipline are involved, the employee may feel they are being discriminated against. When an employee brings a lawsuit against your company, it can be costly and time-consuming even if you are found innocent. Employment practices liability insurance (EPLI) can help protect your business against the costs associated with these lawsuits.
Employment Practices Liability Insurance
There are many situations that can arise during business operations that cause an employee to file a lawsuit against the company. Many such lawsuits involve situations such as:
- Discrimination based on race, gender, age, disability or other factors
- Wrongful termination
- Breach of contract
- Sexual harassment
- Emotional distress
- Libel or slander
- Mismanagement of employee benefits
- Negligent employment practices
Whether or not your Worcester company is indeed guilty of these actions, you will spend precious resources on dealing with the situation. With EPLI, your company can receive reimbursement for defense costs, legal fees, and settlements, up to your policy limits.
Worcester Insurance Coverage
From the moment you bring your first prospective employee in for an interview, you are at risk for an employment practice lawsuit. When operating in today’s litigious society, no business is immune to the possibility of a lawsuit. For this reason, experts recommend that all Worcester businesses with employees obtain ELPI coverage.
The amount of coverage your business needs depends on the size of your business, number of employees, employment history, and other factors. Your insurance agent can help you determine an appropriate policy amount. Most businesses in MA will need a policy between $1 million and $25 million for complete coverage.
No matter how hard you try to be fair to your employees, there will be situations when an employee feels they are not being treated properly. If you violate the state or federal employment laws, you could find yourself subject to not only a lawsuit, but also fines and penalties. Purchasing employment practices liability insurance coverage can help protect your business from the financial ramifications of a lawsuit brought against your company by an employee.
The Feingold Companies
Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030
New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090
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