Employment Insurance

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Types of Employment Practices Insurance

Employment liability insurance provides coverage to employers against claims made by employees alleging:

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Discrimination based on sex, race, age

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Wrongful termination

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Retaliation

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Harassment

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Individual Disability Insurance

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Inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation.

Most policies cover directors, officers, management personnel, and employees within the insured organization..

Employment Practices Liability Further Defined

In today’s world of social media and easy access to technology, it’s important that regardless of the size of your company to look into this type of employment insurance. Your businesses need to have the proper coverage in place so you are prepared for any internal work related disaster. We have found that small businesses/startups are most vulnerable due to a lack of internal HR or legal department. Some small things that you can do to help prevent an incident is to create an employee handbook or external HR company to help with any work related incidents.

To significantly lower your employment practices liability risk, do the following:

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Develop an employee handbook.

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Create detailed job descriptions so each person within your organization understands their roles.

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Create a performance review assessment and complete these once every 6 months.

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Develop a consistent interview and onboarding process.

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Have team members sign legal paperwork.

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Conduct background checks on all possible candidates, including social media.

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Institute a zero tolerance policy regarding discrimination, substance abuse and any form of harassment.

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Provide a company culture that calls for an "open door" policy. So employees feel comfortable speaking to you about sensitive work related topics.

What You Need To Know About Employment Law

Here is a list of important laws you need to be made aware of:

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The Equal Pay Act of 1963

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Title VII of the Civil Rights Act of 1964

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The Civil Rights Act of 1966

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Equal Employment Opportunity Act of 1972

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The Immigration Reform and Control Act of 1986

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The Americans with Disabilities Act of 1990

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The Age Discrimination in Employment Act

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The Bankruptcy Code