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Employment Practices Liability Plus

EPL protection with Critical Incidents coverage

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    With the rising number of employment practices claims and workplace critical incidents, the workplace has become increasingly subject to various liability exposures. Small business owners need to protect themselves, their people and their businesses.

    EPL Plus offers added layers of valuable protection for business owners

    An EPL charge or suit can cost a small business thousands of dollars in damages. Although the majority of claims are found to be groundless, they still require significant expenditures to defend. In many instances, small business owners can't afford the legal expenses associated with these claims.

    Additionally, Comprehensive General Liability coverage does not cover the types of injuries and damages typically alleged in employment related claims. HSB’s EPL Plus was specially designed to help mitigate these risks without threatening a company’s financial stability, by bundling EPL and Critical Incidents coverages for the ultimate protection. 

    HSB’s EPL Plus coverage highlights:

    • Expansive coverage for various wrongful employment acts including discrimination, retaliation, and wrongful termination
    • Optional third party EPL coverage available
    • Coverage for various response and preparedness costs directly resulting from critical incidents that impact your business operations
    • Streamlined offering allows majority of policies to be issued in-house
    • Can be easily integrated into a BOP or other commercial insurance package policies
    • Provides policyholders with valuable EPL risk management services through a website and legal hotline
    • Specialized EPL claims adjusters managing entire claims process
    • Claims defense includes access to law firms with expertise in handling employment practices charges
    • Assistance with form development, state filings preparation, systems support, staff and agent training, and marketing plans

    Risk management services

    EmployerProtection.net is offered at no additional charge as part of EPL Plus coverage. While the coverage helps protect employers when an employee claim is filed, the website helps them prevent employee harassment and discrimination claims and provides the insured with a better understanding of the complex issues facing them. Using these tools provides small business owners with evidence of their best efforts to maintain a workplace free of harassment and discrimination should a claim ever be filed against them.

    The website simplifies the complex requirements employers must meet. With an employee handbook, sample forms, training modules, and other tools, EmployerProtection.net makes it easy to quickly implement a program that provides employees with clear, consistent guidelines.

    EmployerProtection.net is updated regularly to include new legal requirements, best practices and topical information, such as:

    • A Model Employee Handbook including:
      • Sexual harassment policies
      • Employment-at-will statement
      • Progressive discipline procedures
      • Workplace rules and prohibitions
    • Model forms and policies, including:
      • Employment application
      • Performance review
      • At-will notice
      • Many other topics and situations
    • Web-based training modules to:
      • Prevent sexual harassment
      • Prevent discrimination
      • Prevent wrongful termination
      • Promote ethical behavior
    • Library of employment related articles
    • A control panel for employers to manage user registration and track individuals’ usage and training progress.

    The time for EPL Plus is now

    Both workplace critical incidents and employment practices claims are on the rise
    Businesses of all sizes are at risk, and the costs are especially devastating to small businesses
    Unique coverage offering provides the ultimate protection for businesses

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    How can HSB help you?
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