Employment Practices Liability

Deadlines. Budgets. Keeping customers happy. There’s plenty of stuff that goes in to running your business, and all you really want to do is focus on doing what you do best. So you play it smart and invest in insurance coverage to provide that much-needed peace of mind.

But with today's legal climate, lawsuits brought by past, present or future employees are yet another area of risk for your business. Sadly, with the increased frequency of these lawsuits comes the need for greater caution in how your business treats its employees.

That's why employment law is an area of which you need to be aware. It can be challenging to stay on top of the changing legal and regulatory landscape but, you can do something to lessen the effect of potential lawsuits and damaging verdicts.

It's yet another source of risk you'd rather not deal with, and fortunately you don't have to.

Wilson Mutual is here to help you safeguard against suits brought by past, present or future employees. Our enhanced employment practices liability insurance (EPLI) provides the protection your business needs against lawsuits stemming from employee-related matters such as:

• Wrongful dismissal, discharge or termination of employment
• Employment-related misrepresentation
• Violation of employment discrimination laws
• Sexual and other harassment
• Wrongful failure to hire or grant tenure
• Negligent evaluation
• Retaliation
• Invasion of privacy
• Employment-related defamation, infliction of emotional distress

We include, automatically, $100,000 of our EPLI coverage for most of our commercial policies. You have options to suit your particular business needs. Highlights of the coverage include:

• Competitively priced premium based on number of employees and type of business
• Limits of $300,000 available for an additional premium
• A $5,000 deductible will apply to each claim; optional deductibles are available
• No application is needed
• You can choose to opt-out by notifying your agent.
• Agents must request this opt-out for their clients in writing.

Employment law can be a confusing topic, and there have been many changes over the years. We're here to help with information to answer many of your employment practices questions.

Included with Wilson Mutual's EPLI policies is 24/7 access to our online EPLI Helpline Support and Resource Center.

Many of Wilson Mutual's commercial insurance policies are eligible for our EPLI Helpline Support and Resource Center at www.wilsonhrhelpline.com. Your username is your Wilson Mutual commercial policy number (xxxxxxxx).

Be sure to check with your independent Wilson Mutual agent to learn which options of Wilson's EPLI best suit your needs, or if our EPLI is right for you.

No coverage is provided by this Web site. This Web site only illustrates coverages offered under Wilson Mutual's Employment Practices Liability Insurance Program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Wilson Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.