Employment Practices Liability Insurance
Protect Your Business From Claims Made By Employees or Former Employees
Talk With an Agent at Insurance Brokers of Maryland
We Work Independently To Get Your Business the Protection It Needs
If you own or operate a business that has employees, you need Employment Practices Liability Coverage. Commonly referred to as EPLI, it’s a type of business insurance that comes into play if ever your company is sued by an employee, former employee, or even an applicant who’s a prospective employee.
Sued for what? For any number of reasons. Discrimination. Unfair treatment. Workplace harassment, sexual or otherwise. Hostile work environment. Wrongful termination and unjust discharge. Retaliation. Negligent evaluation. Breach of employment contract. Invasion of privacy. Defamation. Slander and libel. Even a perceived failure to promote could be a potential cause of a lawsuit against your company by an employee, former employee, or prospective employee.
Regardless of the merits – or lack thereof – of the case, such suits can be expensive: Legal defense costs and other legal fees, settlements, and/or judgments can quickly become quite costly, not to mention productivity lost due to dealing with the employment-related claims.
That’s why Employment Practices Liability Insurance (EPLI) coverage is such a necessary policy to have in your business insurance portfolio. You can’t just hope you never incur any employee lawsuits . . . you need to have an EPLI policy in force to be a strong bulwark against such employment-related issues, and protect your business assets from a potentially damaging lawsuit.
What EPL Insurance Doesn’t Cover
Workers Compensation Liability, Bodily Injury, Property Damage, and Other Non-Employment-Related Claims
The first section above gives you a pretty good idea about when EPLI insurance coverage is effective. But it’s smart to know what it doesn’t cover, too.
While EPLI insurance does, in fact, cover legal costs incurred in the aforementioned disputes brought by employee claims, it does not cover risks that do not directly pertain to employment-related claims, such as: bodily injury, work-related disability, property damage, workers compensation, punitive damages, lost wages, and legal defense costs stemming from fraudulent or criminal acts.
Most businesses, particularly small businesses, may never encounter any employee claims such as sexual harassment, wrongful termination, wrongful discipline deprivation, or emotional distress mismanagement. But if ever you do, you’ll be very glad your business is protected by Employment Practices Liability Insurance coverage.
Take Advantage of Our Independence To Find the Right EPLI Coverage
Insurance Brokers of Maryland Is Able To Seek Out the Best EPLI Policies for Your Business
One of the most advantageous reasons for purchasing your business insurance coverage through Insurance Brokers of Maryland is the fact that we’re not limited to any one particular insurer. That is to say, we’re not captive to one insurance company, unlike many other insurance agencies doing business in Maryland.
Instead, we’re a fully independent insurance brokerage, meaning we’re not beholden to selling policies from one insurance company, but we’re able to survey the full breadth of EPLI policies in order to determine what’s best for your company’s circumstances.
When you contact your Insurance Brokers of Maryland agent, they’ll collect some general information to discover your exact insurance needs, including what policy limits you’ll require and what additional coverage you may benefit from. Then, they’ll get down to the work of soliciting quotes on your behalf from a wide variety of insurance companies offering Employment Practices Liability Insurance (EPLI) coverage, and present you with their findings.
At that point, you and your agent will review the possible policies, including claims covered, what the employer’s liability is and legal rights are, and what to expect in the event that you’re hit with employee lawsuits. The choice is yours as to which EPLI policy you go with.
When you’re an EPLI policyholder who obtained your policy through Insurance Brokers of Maryland, you’ll always have a highly trained, vastly experienced, knowledgeable partner on your side.
Independence and experience. That’s the Insurance Brokers of Maryland difference.
We Serve Businesses – Large and Small – Throughout Maryland
Protecting Companies from Baltimore to Hagerstown and Oakland to Ocean City
When you decide to work with Insurance Brokers of Maryland, you’re getting a team of experts on your side – a team bringing decades of combined real-world experience in EPLI and other types of business insurance.
Over the years, we’ve worked on behalf of companies based in Cumberland and Columbia, Frederick and Frostburg, Salisbury and Ellicott City. We help businesses who serve small markets like Friendsville and major hubs like the suburbs between Baltimore and Washington DC. From the coast to the mountains, Insurance Brokers of Maryland is here to protect the businesses of Maryland.
We’ve been doing this for many, many years . . . and we look forward to earning the opportunity of providing you with the right coverages for your specific business insurance needs. That’s why it’s a smart move for business owners, CEOs, and COOs to work with the agents of our agency, so they assure themselves and their stakeholders of the most value for their money.
Contact the Office of Insurance Brokers of Maryland Today
Put Our Agents to Work Finding the Best Employment Practices Liability Insurance (EPLI) for Your Company
The first step toward affordable, reliable EMPI coverage is easy: Just call or click to initiate a conversation with a friendly agent of Insurance Brokers of Maryland.
Wherever you are in Maryland, we’re easy to reach:
- Call us at our Frederick MD office at 301-668-2233
- Send us a message using the online form at InsuranceBrokersOfMD.com/contact
- Visit either of our physical locations at 182 Thomas Johnson Drive, Suite 202, in Frederick or 600 East Main Street in Emmitsburg
If your business doesn’t current carry Employment Practices Liability Insurance, the fact is you’re one lawsuit away from a potentially disastrous situation. Prevent such a disaster, provide legal cover, and protect your company assets with a well-chosen, economical EPLI policy obtained through Insurance Brokers of Maryland, your independent business insurance brokerage.
BUSINESS INSURANCE POLICY EXPERTISE
Builders Risk Insurance
When building a building, make sure that you’re protecting more than the people and the property, but the actual building itself while it is in the construction phase.
Business Owners Package Insurance
The full suite of necessary business insurance lines can be conveniently handled in a single BOP package, protecting the liability of your company’s property and vehicles.
Business Interruption Insurance
If a loss from theft, storm, accident or vandalism of property causes your business to be out of commission, threatening your business’s livelihood, you’ll be glad you have interruption protection.
Commercial Auto Insurance
Cover each of your company’s cars just like you would cover your own, and protect against risk to one of your company’s major investments.
Commercial Trucking Insurance
Taking goods from one place to another requires mitigating the risks to both the goods and the trucks hauling them.
Commercial Umbrella Insurance
Beyond what a standard business liability policy offers, an umbrella policy grants you even more protection for a true peace-of-mind feeling.
Contractor’s General Liability Insurance
Contractors, builders, construction managers, design/build professionals and owners of construction projects, whether public or private, commercial or residential, are all in need of general liability protection if something were to happen to persons or property.
Employment Practices Liability Insurance
If any of your employees sues your company as a result of your company’s business conduct, you are protected by this pragmatic form of insurance.
General Liability Insurance
Since anything can happen (and it usually does), a policy which pays in the event of a wide variety of occurrences is an absolute imperative for your business.
Hotel / Motel Insurance
As a hotelier, you encounter issues and possibilities unseen in any other industry – so you need a policy providing unique coverages to match.
Liquor Liability Insurance
Alcohol can lead directly to accidents, and if you supply, sell or make the alcohol in question, you could be liable for those accidents.
Medical Malpractice Insurance
Despite the best intentions, sometimes doctors and other medical professionals get sued by their patients – so having adequate malpractice protection is indispensable.
Product Liability Insurance
If a product is made or sold by your company and it causes harm to another’s property or person, the value of this insurance line is made clear.
Restaurant & Bar Insurance
The food service industry is tough enough, with the kinds of problems rare if ever seen in any other industry. Appropriately tailored insurance is a must for any restauranteur.
Special Event Insurance
Hosting a party, a concert, a convention? A special event implies special needs that can only be protected by this form of insurance.
Surety Bonds
Guarantee that a contract is executed on time and in the agreed-upon manner with a bond intended to secure the contract.
Technology Insurance
Meant for companies that deal in technology, this insurance helps you recoup losses which affect your ability to deal in that technology.
Wholesalers and Distributors Insurance
For companies in the business of wholesaling and distributing goods, a set of challenges particular to your industry means a type of insurance designed for you.
Workers’ Compensation Insurance
Replace the wages of your employees injured on the job while providing them with invaluable funds toward medical expenses.
Defense Base Act Insurance
DBA Insurance is a type of Workers’ Compensation insurance to protect employees, employers, independent contractors and others from damages due to injury, accidents, etc. on the job.
Insurance for Governmental Subdivisions
There’s much to be analyzed when considering a municipality’s insurance needs. Are there special events to be covered? Does the municipality make use of volunteers? How could your school board or your water authority be held liable?
Insurance for Non-Profits
Protect your Non-Profit organization from unexpected liabilities.
Insurance for Social Services
A social services organization has similar risk-mitigation and protection requirements as any other business entity, but more of them.
