Employment-related discrimination can include claims based on:
- Skin color
- Sexual orientation
- Marital status
- Creed / religion
- National origin
- Military service
Wrongful Termination Claims
More than any other aspect of the employment relationship, the discharge of an employee has the potential to result in litigation. EPLI policies cover wrongful termination claims made by former employees.
Some policies also cover claims of “constructive discharge” by employees who claim that they could no longer tolerate the work environment and were compelled to resign or retire.
EPLI policies can also cover claims by current, former, or prospective employees who charge that they were the victim of employment-related discrimination.
Discrimination can include any additional categories of discrimination against employees that would be included within the coverage afforded by a policy and might change the local, state, or federal laws that define discrimination in the workplace. Claims by employees who charge that they were discriminated against for exercising their rights under worker’s compensation, COBRA, or other similar laws can also be covered.
Coverage for sexual harassment claims against your company, including claims against supervisors and fellow employees, can be included in an Employment Practices Liability Insurance policy. In addition, the policy can cover all categories of sexual harassment as currently defined by the Equal Employment Opportunity Commission.
EPLI policies can cover claims by employees who charge that they were the subject of an adverse employment decision solely because they disclosed an unfair or illegal practice by the employer. This is one of the few policies to specifically cover whistleblower claims. Sometimes these matters are referred to as Section 132.
Wage & Hour Claims
The Fair Labor Standards Act sets the minimum wage and maximum hour/overtime requirements. The Wage and Hour Division of the Department of Labor manages the administration of the FLSA. You must have a specific type of EPLI policy to cover FSLA actions.
Other Employment-Related Claims
Libel, slander, or other defamation, invasion of privacy, mental anguish, infliction of emotional distress, loss of consortium, assault, battery, breach of contract, negligent hiring, supervision, promotion or retention in connection with any other employment-related claim can often be covered with an Employment Practices Liability Insurance policy.
Contact Olde Liberty Insurance today for a comprehensive insurance review and a no-obligation, customized quote from some of the most reputable carriers in the state of Connecticut.