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About Us
Why Choose "Empower" EPL Program for your EPLI needs?
EPLI insurance covers a broad array of wrongful employment practices. Our form includes coverage for the following:
- Violation of any federal, state, local or common law prohibiting any kind of employment related discrimination.
- Harassment including sexual harassment, racial, religious, sexual orientation, pregnancy, disability, age or national origin based harassment and including workplace harassment by non employees.
- Abusive or hostile work environment
- Wrongful Discharge or termination of employment, whether actual or constructive.
- Breach of an actual or implied employment contract
- Wrongful failure or refusal to hire or promote, or wrongful demotion
- Defamation, libel, slander, disparagement, false imprisonment, misrepresentation, malicious prosecution or invasion of privacy.
- Wrongful failure or refusal to adopt or enforce adequate workplace or employment practices, policies or procedures. Loss control services available for the creation of policies and procedures.
- Wrongful, excessive or unfair discipline
- Wrongful infliction of emotional distress, mental anguish or humiliation
- Retaliation, including retaliation for exercising protected rights, supporting in any way another's exercise of protected rights or threatening or actual reporting wrongful activity of an insured such as violation of federal , state or local "whistle blower" law.
- Negligent hiring or negligent supervision of others in connection with any of the above wrongful employment practice.
Additional Enhancements Include:
- 24 hour turn around time with complete submission
- Ability to quote up to $10,000,000 in limitis
- Broad definition of insured to include the entity, all past, present and future Directors, Officers, full time, part time, temporary and seasonal employees, trustees, volunteers, shareholders, leased employees and even independent contractors.
- Additional Limit of Defense available at an additional premium.
- Full Prior Acts of Coverage
- Third Party Coverage included
- Punitive Damage using "most favorable jurisdiction" wording
- Duty to Defend. Insured may request to take over defense
- Free Loss Control Services supplied by top employment law firms. Services include in-house training of supervisors, managers and employees by a reputable law firm, as necessary.
- True world wide coverage including arising our of overseas locations.
- Spousal and estate extensions
- 1, 2 and 3 year extended reporting period options
- Tailored forms for specific industries including Law firms and Staffing industry (staffing agencies and PEO's)
Submission Requirements for a Non-Binding Indication
- Applicant's Name
- Locations
- Number of employees (full time & part time split)
- Nature of business
- Any past claims information if any.
