Employment Practices Liability

Employment practices liability insurance varies depending on the industry, although there are some very common coverage areas. Working directly with an insurance agent or wholesale broker is the best way to find out what plans a business needs.

While teaching employees about corporate policies and non-discriminatory behavior can help prevent lawsuits, employment practices liability insurance is a higher level safeguard. It's important to note that this insurance covers employees, directors and officers, but may not extend to contractors and subcontractors unless specifically requested.

Employment Practices Liability Insurance Covers Many Areas

Whether in the nursing, contracting or any other field, there are some basic benefits of employment practices liability insurance, including:

• Emotional distress due to work
• Harassment or discrimination in the workplace
• Lack of career advancement
• Inappropriate discipline

Lawsuits relating to these and other issues are on the rise, whether they are justified or not. The likelihood of an employment practices liability insurance claim is higher than those for general liability. For all of the coverage options, this type of insurance is relatively inexpensive for a company. Due to the broad scope of employment practice liability insurance, it is equally useful for non-profit and public companies.

Adco General is a wholesale broker that writes many types of insurance, including employment practice liability and commercial coverage for industries ranging from nursing to construction. Adco can also create different offerings to best serve the needs of an agent's clients.