Employment Practices Liability Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Employment practices liability policies provide a specialized form of liability coverage. They’re specifically designed to mitigate some of the risks that come with hiring employees.

Most businesses that have employees, regardless of whether they have one or many, can benefit from EPLI coverage. While the risk of a claim might increase with more employees, it takes just one to accuse a business of violating employment laws. Nonprofit organizations that have employees may want an EPLI policy for the same reason for-profit businesses get them

A female interviewee isn’t offered a job and claims it’s because she’s pregnant
A manager neglects to tell applicants that background checks will be conducted
A man and woman with similar qualifications receive vastly different compensation

What is Employment Practices Liability Insurance?

Massachusetts businesses that employ people normally must adhere to a variety of state and federal laws. Should a business violate any laws that it’s required to follow, the affected employees may file a lawsuit or claim. Employment practices liability insurance policies can help protect businesses from suits and claims that are related to covered employment violations.

Employment practices liability policies provide a specialized form of liability coverage. They’re specifically designed to mitigate some of the risks that come with hiring employees.

What Businesses in Massachusetts Need an EPLI Policy?

Most businesses that have employees, regardless of whether they have one or many, can benefit from EPLI coverage. While the risk of a claim might increase with more employees, it takes just one to accuse a business of violating employment laws. Few businesses have the resources to deal with such an accusation and remain unscathed.

Nonprofit organizations that have employees may want an EPLI policy for the same reason for-profit businesses get them. Nonprofits that don’t have employees but use volunteers might also benefit from coverage, for some policies also cover claims filed by volunteer workers.

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When is the Right Time to Get an EPLI Policy?

Businesses that already have employees but don’t have EPLI coverage in place should talk with an experienced insurance agent soon. Every day without a policy may leave a business exposed to risk, and a knowledgeable agent can help businesses quickly find the coverage that’s right for them.

Businesses that are exploring this type of coverage as they get ready to bring on their first employees ought to speak with an agent before the hiring process officially begins. Having a policy prior to placing any job listings might protect businesses from claims filed by prospective employees.

What Kinds of Claims Does Employment Practices Liability Coverage Protect Against?

As with any kind of insurance, exactly what claims an employment practices liability policy covers is determined by the policy’s terms and conditions. Some potential claims that might be covered include:

A female interviewee isn’t offered a job and claims it’s because she’s pregnant
A manager neglects to tell applicants that background checks will be conducted
A man and woman with similar qualifications receive vastly different compensation
An intern wasn’t paid but believes they should have been
An elderly worker is let go and claims it’s because they’re older

Why Do Businesses That Follow Employment Laws Need Coverage?

Even if a business follows all current employment laws, it may still be wise to obtain an employment practices liability policy.

For one, the business may not be aware of a new law as soon as it’s passed and violate the new regulation. Staying on top of all current regulations is time-consuming, and sometimes new laws aren’t immediately clear.

Additionally, employees can usually file claims regardless of whether a business is truly at fault. Most policies provide coverage for legal defense costs and will help manage the costs that come with fighting an illegitimate claim.

How Can Businesses in Massachusetts Get Employment Practices Liability Policies?

Employment practice liability policies are frequently complex. Comparing their protections requires an advanced knowledge of the risks that come with employing workers and what coverages are available.

For help thoroughly comparing employment practices liability insurance policies, contact the experienced agents at Paul T. Murphy Insurance. Our independent agents are able to compare policies from different Massachusetts insurers, and they have the professionals needed to help you find the best policy for your business or nonprofit organization.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.