Even when employment practices lawsuits aren't making headlines, they are creating a negative impact on the financial well being and the reputation of organizations nationwide. Lawsuits alleging discrimination, wrongful termination, sexual harassment, or a violation of multiple federal, state and local statutes continue to grow in both frequency and severity.

In a seemingly self-propagating cycle, employment practices liability suits lead to new legal precedents, new areas of exposure and ever-larger settlements and judgements that attract yet more plaintiffs' attorneys to the arena. Companies are even being sued more often by non-employee third parties, including customers and clients, who allege discrimination and harassment.

The term "Employment Practices Violation" includes:

• Wrongful Termination
• Harassment, including sexual harassment and hostile work environment discrimination
• Retaliation, including lockouts, strikes, whistle blower actions
• Employment-related misrepresentation(s) to an Employee or applicant for employment with the company
• Employment related libel, slander, humiliation, defamation, invasion of privacy
• Wrongful failure to promote
• Wrongful deprivation of career opportunity or negligent Employee evaluation
• Wrongful discipline
• Failure to grant tenure
• Failure to provide or enforce adequate or consistent corporate policies and procedures relating to any Employment practices Violation

Coverage Available:

Coverage is provided for the company, directors, officers, employees, seasonal employees, leased individuals and independent contractors. Coverage may be purchased included in a Directors & Officers Liability policy for a non-profit organization or a private company, or it may be purchased as a standalone product for a public entity.

In some instances, defense costs may be added outside the limit of liability. Coverage is available with either a "Duty to Defend" or a "Pay on Behalf of" language.

• No-Coinsurance
• Full Prior Acts Coverage
• Claims include:
• Oral or written complaint
• Demand for Dollars
• Administrative Proceedings
• Punitive Damages Coverage, where insurable by law
• Limits starting at $100,000; Retentions starting at $1,000
• Third party coverage is also available

We have agreements with all standard and non-standard carriers which offers us a wide variety of options to choose from in selecting the best carrier for each and every client.