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Any business that has ever purchased an insurance policy knows what liability insurance is, even in all its various forms. However, Employment Practices Liability Insurance (EPL) is a relatively new type of insurance policy concerning liability, so not many businesses have heard of this very important policy type yet. It could be one the most important liability policies available, aside from a general, professional or product liability policy.
A General Liability policy covers basic situations such as property damages, injuries, and advertising claims. A Professional Liability policy covers a business against an employee that acts unprofessionally as well as against legal agreements and problems arising from bad agreements, or those that are negligent in any way. A Product Liability policy covers consumers who might have been injured by a product or service rendered.
On the other hand, an Employment Practices Liability Insurance policy offers protection against employees, disgruntled employees or other former employees. For example, if an employee were to be fired and file a claim that the former employer did so based on an illegal reason, such as race, or sex, then the EPL policy will pay any costs arising from this claim including court costs, fees, and any settlements that the court might order.
This policy is great businesses that employ more than one person. If you are a business owner looking for EPL insurance, then you are in the right place because Business.com has a host of information that can help you find the EPL agents in your area. If you check out the links on the left, you can get your search for EL insurance started and protect your business today.