Sexual Harassment Insurance, EPLI and more...

As more lawsuits are filed, corporate American has sent sexual harassment insurance sales catapulting...

An estimated 60 percent of companies have been the target of at least one employment-related lawsuit in the past five years and more businesses are turning to a relatively new form of insurance designed to protect them against workplace liability.
Employment Practices Liability Insurance (EPLI) was developed in the 1980's to protect employers who find themselves the target of work-related lawsuits, including harassment, wrongful termination and discrimination.
According to the Western Insurance Information Service, between 1992-1996 the number of civil rights cases filed in federal court more than doubled from 10,771 to 23,152. In 1995 the medium compensatory award nationally for a wrongful termination case was $219,000. In California, the average was only slightly lower at $210, 700 in 1996.
EPLI covers defense costs, judgements and settlements for the corporate entity, employees, former employees as well as directors and officers. Depending on the type of business, coverage is provided up to a limit of $50 million.
Deductibles range from $10,000 to $25,000. On the average, companies are spending $100,000 annually for EPLI coverage. Workers' compensation, bodily injury and property damage are not covered by EPLI.
Here are some tips to limit EPLI exposures in your business:
* Instill tough "no tolerance" policies toward workplace harassment, discrimination and drug or alcohol abuse.
* Develop an employee standards handbook that defines the skills and performance you expect for each position.
* Measure an employee's performance on a regular basis.
We recommend you take the time to review your policy coverages as your company grows with your agent or broker. It's also important to shop your insurance premium and coverages to see if you have the best available...
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EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI): Being unjustly accused of discrimination or sexual harassment can seem like a "no win" situation. Making a mistake, terminating or laying off an employee can result in damaging headlines and potential lawsuits which are costly and demoralizing. EPLI coverage protects business assets against defense expenses and damages resulting from wrongful employment practices. Insurance is available in all 50 states. Please complete the Employment Practices Liability Insurance Worksheet below to receive an insurance proposal.
We have other insurance program worksheets you can select from the InsuranceCompany.com main menu option or clicking on the InsuranceCompany.com logo to the right. If you have a larger company, manufacturing, industrial or need premise liability to satisfy your landlord insurance requirements please select the commercial general liability option. If you have an in-home business please select the home business option. If you are a small contractor please select the artisan contractor option. If you have a small to medium size retail business such as a book store, shoe store, florist shop or a beauty salon type business please select the business owner policy option. Thank you for selecting InsuranceCompany.com... we look forward to serving you.

EMPLOYMENT PRACTICES LIABILITY WORKSHEET

First Name:

Last Name:

Business Name:

Address:

City:

State:

Zip Code:

Phone Number:

Fax Number:

E-Mail Address:

LOCATION DETAIL INFORMATION

Additional Business Address F/T Employees P/T Employees Seasonal

Loc #1: Same Address As Above

Loc #2:

Loc #3:

UNDERWRITING INFORMATION

Please Describe the Nature of Your Business

Type of Ownership:

Years of Experience:

Number of employees under age 40:

Number of employees over age 40:

Number of employees by salary range (under $25,000 year):

Number of employees by salary range ($25,000-$75,000 year):

Number of employees by salary range (over $75,000 year):

Number of employees that left the company (last year):

Number of employees that left the company (year before last):

How Many Years Have You Operated This Business:

Business License Number:

License Type:

This Years Estimated Gross Receipts:

Last Years Gross Receipts:

Year Before Last Gross Receipts:

Is This Business Open 24 Hours A Day? yes no

Are you aware of any claim situation not filed? yes no

Any inquiries from the National Labor Relations Board? yes no

Any inquiries from the Equal Employment Opportunity Commission? yes no

Any inquiries from the Fair Labor Standards Enforcement Act? ? yes no

Any inquiries from the Civil Rights Act of 1991? yes no

Any inquiries from the U.S. Department of Labor? yes no

Any inquiries from any state or local government agency? yes no

Any inquiries from the Age Discrimination Employment Act? yes no

Any inquiries from the Americans with Disabilities Act? yes no

Do you have Federal contracts or serve as a subcontractor on contracts over $50,000 per year? yes no

Has there been a Company merger within the last 24 months? yes no

Is a Company merger expected within the next 24 months? yes no

Do you anticipate layoffs within the next 24 months? yes no

Do you use an employment application for all applicants for hire? yes no

Do you have an affirmative action plan? yes no

Has your affirmative action plan been updated within the last 12 months? yes no

Do you have a written policy regarding harassment? yes no

Do you have a written pay raise program for your company? yes no

Do you have an established internal dispute resolution or grievance process? yes no

Do you have a written disciplinary process? yes no

Do you have a performance appraisal process? yes no

Do you evaluate all employees annually? yes no

Are employee terminations reviewed by Human Resources? yes no

Are employee terminations reviewed by legal counsel? yes no

Do you have written policies for Americans with Disabilities Act? yes no

LOSS INFORMATION

Describe any Losses-Claims in the last 5 years related to allegations of wrongful termination, discrimination or sexual harassment

COVERAGE INFORMATION

Liability Limits Requested:

Deductible Requested:

Current Insurance Company:

Current Annual Premium:

Misc Information
to help the agent:

Please press the Submit Button ONLY ONE TIME, then pull your cursor away from the button until you see the Hour Glass, as we process your request.
Wait a few moments for an online acknowledgement.
Thank you for your inquiry.

MainMenu emailInsuranceCompany.com Copyright 1997-2001. Del Amo. All rights reserved.

EMPLOYMENT PRACTICES LIABILITY WORKSHEET
First Name:
Last Name:
Business Name:
Address:
City:
State:
Zip Code:
Phone Number:
Fax Number:
E-Mail Address:

LOCATION DETAIL INFORMATION
Additional Business Address	F/T Employees	P/T Employees	Seasonal
Loc #1: Same Address As Above
Loc #2:
Loc #3:

UNDERWRITING INFORMATION
Please Describe the Nature of Your Business
Type of Ownership:
Years of Experience:
Number of employees under age 40:
Number of employees over age 40:
Number of employees by salary range (under $25,000 year):
Number of employees by salary range ($25,000-$75,000 year):
Number of employees by salary range (over $75,000 year):
Number of employees that left the company (last year):
Number of employees that left the company (year before last):
How Many Years Have You Operated This Business:
Business License Number:
License Type:
This Years Estimated Gross Receipts:
Last Years Gross Receipts:
Year Before Last Gross Receipts:
Is This Business Open 24 Hours A Day?	yes no
Are you aware of any claim situation not filed?	yes no
Any inquiries from the National Labor Relations Board?	yes no
Any inquiries from the Equal Employment Opportunity Commission?	yes no
Any inquiries from the Fair Labor Standards Enforcement Act? ?	yes no
Any inquiries from the Civil Rights Act of 1991?	yes no
Any inquiries from the U.S. Department of Labor?	yes no
Any inquiries from any state or local government agency?	yes no
Any inquiries from the Age Discrimination Employment Act?	yes no
Any inquiries from the Americans with Disabilities Act?	yes no
Do you have Federal contracts or serve as a subcontractor on contracts over $50,000 per year?	yes no
Has there been a Company merger within the last 24 months?	yes no
Is a Company merger expected within the next 24 months?	yes no
Do you anticipate layoffs within the next 24 months?	yes no
Do you use an employment application for all applicants for hire?	yes no
Do you have an affirmative action plan?	yes no
Has your affirmative action plan been updated within the last 12 months?	yes no
Do you have a written policy regarding harassment?	yes no
Do you have a written pay raise program for your company?	yes no
Do you have an established internal dispute resolution or grievance process?	yes no
Do you have a written disciplinary process?	yes no
Do you have a performance appraisal process?	yes no
Do you evaluate all employees annually?	yes no
Are employee terminations reviewed by Human Resources?	yes no
Are employee terminations reviewed by legal counsel?	yes no
Do you have written policies for Americans with Disabilities Act?	yes no

LOSS INFORMATION
Describe any Losses-Claims in the last 5 years related to allegations of wrongful termination, discrimination or sexual harassment

COVERAGE INFORMATION
Liability Limits Requested:
Deductible Requested:
Current Insurance Company:
Current Annual Premium:
Misc Information to help the agent:
Please press the Submit Button ONLY ONE TIME, then pull your cursor away from the button until you see the Hour Glass, as we process your request. Wait a few moments for an online acknowledgement. Thank you for your inquiry.

EMPLOYMENT PRACTICES LIABILITY WORKSHEET

LOCATION DETAIL INFORMATION

UNDERWRITING INFORMATION

LOSS INFORMATION

COVERAGE INFORMATION

Copyright 1997-2001. Del Amo. All rights reserved.

Copyright 1997-2001. Del Amo. All rights reserved.