Employment Practices Liability Insurance

Protection Against Allegations from Employees to Employers

Employment Practice Liabillity (EPLI) provides defense and settlement/judgment costs associated with actual or alleged acts of Discrimination, Harassment (Sexual or otherwise) and/or Inappropriate Employment Conduct.

Any physician or medical group with employees qualifies for this coverage. Seven out of 10 lawsuits filed in California are against employers, with discrimination and sexual harassment being the most common complaints filed, resulting in legal defense fees averaging $44,000 for each claim.

Medical Malpractice Insurance policies have specific exclusions for employee-related claims thereby leaving your practice exposed! The Doctors Insurance Agency has access to the leading markets providing this coverage for physicians and medical groups.

Policy Coverage Highlights:

Wrongful Termination including Constructive Discharge

  • Sexual Harassment Allegations
  • “Hostile” Work Environment Allegations
  • Failure to hire, promote or demotion
  • Denial of “Career Opportunity”
  • Third Party Liability (claims brought by customers, clients or other non-employees as a result of Discrimination and/or Sexual Harassment)

An Employment Practices Liability policy can be written on a standalone basis or in combination with a Directors & Officers Liability policy. The policy generally covers all employees, including part time, seasonal, temporary, and Independent Contractors. The policy can also cover the entity, directors, officers, owners, partners, and their spouses.

If we may provide you with more information or an application to complete for a no obligation quotation, please call us at 800-553-9293 our Employment Practices Liability Insurance specialist Kay Isola is available to provide you with an offer or further information.