Tag Archives: EPLI

Employment Practices Liability Insurance – What Does it Cover?

As a business owner, you strive to be fair and nondiscriminatory in your employment practices. But even a simple misunderstanding could expose you to an employee-related claim or allegation such as sexual harassment, discrimination, abuse or wrongful termination. In today’s litigious business climate, these are damaging claims that can put you out of business. Is your business prepared for these situations with Employment Practices Liability Insurance (EPLI) coverage? (more…)

Sexual Harassment in the Workplace

Sexual harassment is illegal, yet it seems to be a growing issue as we hear more and more about it in the news. Still, most sexual harassment situations – 71 percent in 2015 – are not reported. Sexual harassment in the workplace is a serious issue affecting employee morale and job performance as well as the health and safety of those involved. It can even lead to lawsuits. (more…)

Should You Conduct Employee Background Checks? (Part 2)

There are a number of legal considerations associated with conducting a proper and fair background check. It’s not easy, so why should you bother? The answer is in the EEOC guidelines; you do a background check when there is a business necessity. As a business owner, you have an obligation to provide a safe environment for your employees and customers as well as a fiduciary responsibility to the company. Reasons for a background check include, but might not be limited to: (more…)

Legal Considerations for Employee Background Checks (Part 1)

Do you conduct background checks on job applicants? Have you ever thought of doing so? If you answered ‘yes’ to either of these questions you need to be aware of the legal considerations.

There are a number of federal and state laws, along with local ordinances in some cities, which govern background checks. At the federal level there is the U.S. Equal Employment Opportunity Commission (EEOC) and Title VII of the Civil Rights Act of 1964, which states in part “…a person cannot be denied employment based on a criminal record alonethe decision to hire or not hire must be based on a business necessity…” Some of the points to consider include, but are not limited to: (more…)

Employment Practices Liability: Myths vs. Facts

Business owners typically consider property, general liability and workers compensation as necessary insurance policies to protect their assets. With the incidence of employment practices liability (EPL) claims widespread and growing, EPL insurance should be an important consideration for every business owner.

Myth: Our employee handbook is clear, so we don’t have to worry about an EPL claim.
(more…)