Employment Practices Liability (EPLI)

 

As a business owner, you need to protect against as much risk as possible. This includes losses that could arise from an employment related event. Employment Practices Liability insurance provides coverage for claims resulting from several potential acts such as:

  • Sexual harassment
  • Wrongful termination
  • Discrimination
  • Retaliation
  • FMLA violations
  • Wrongful or failure to promote
  • Mismanagement of employee benefit plans
  • Wrongful discipline

You can purchase a stand-alone policy if needed, otherwise our team suggests it be included on your Business Owners Policy (BOP). The cost is based on the number of employees and type of business. Most carriers offer several levels of coverage which includes legal defense fees associated with a claim, that can add up quickly.

Preventing an Employee Practices Liability Claim

The best way to prevent a claim is to create clear policies and procedures. Providing your employees with additional education can also help. Our carriers offer employment-related resources such as a model employee handbook, web-based training, current articles regarding EPLI trends and sample employment forms (letters, applications, warnings). This gives you an additional layer of assistance to safeguard against these kinds of claims. 

Have questions about Employment Practices Liability insurance? Contact our office to talk to one of our experienced insurance agents.

Depending on your business operation, you can add additional endorsements to better protect your business. This policy will not provide coverage for professional liability/E&O. Not sure if you need General Liability or a BOP (Business Owners Policy)? Let our trusted team of independent agents assist you in reviewing your business operations to determine which option is best for you.

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Our Story

Mountain Lakes Insurance opened its doors in 2009. Owners Erwin Dykstra & Jeff Nevison were former agency owners with a captive carrier but had a calling to create their own brand of customer service and experience. Our vision is to be the most valued and respected insurance agency in our community by providing trustworthy advice, reliable service, professionalism and friendliness to everyone we meet.

Our incredible team of agents has over 79 years combined experience. We strive to go beyond the basics and engage with our clients on a personal level. We provide highly rated carriers that offer our clients the best coverage protection and claims service.

After 10 years, we still strive above all else, to provide exceptional value through knowledge and transparency. We are committed to serving our clients, community, and team members with integrity and compassion.

Our dedication isn’t just to our clients. Woodstock is where we call home and we’re proud to be involved through the Cherokee Chamber, IN WDSTK, Woodstock Christian Business Network and our local churches. We are also members of Independent Insurance Agents of Georgia (I.I.A.G) and Trusted Choice.

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We aren’t just your insurance agent, we’re your neighbor, friend, and supporter. Our dedication goes beyond a policy, we want to assist you personally and professionally in any way we can. Everyone’s story is different, and we want to know yours.