What is EPLI Insurance?
Employing workers presents multiple risks, as employers might be held financially liable if workers are injured or successfully claim discrimination. Workers compensation generally protects Massachusetts employers in the event of employee injury. EPLI insurance can help protect against discrimination and similar claims.
EPLI insurance provides specialized coverage for certain liability risks that employing workers presents. The insurance may help protect against a variety of discrimination claims.
What Massachusetts businesses should carry employment practices liability insurance policies?
Massachusetts businesses generally should consider employment practices liability insurance if they employ workers. Any employee might file a discrimination claim against their employer.
Moreover, businesses might want coverage in place before interviewing their first ever potential employee. Job applicants can lodge many of the same discrimination claims that employees can, and EPLI policies often can protect against applicant-made claims as well as employee-made ones.
Because these risks span industries and business sizes, EPLi policies are purchased by many different types of businesses. Grocery stores, restaurants, manufacturers, legal offices, plumbers, and almost any other type of business might consider coverage.
When coverage is purchased, it’s frequently lumped together with other insurance coverages as part of a commercial package policy. Sometimes more basic business owners policies have this coverage as an option.