You value your employees and try to do the right thing for them and your business. Certain hiring practices and employee rights are dictated by federal and state law, ensuring that employees in Massachusetts and beyond are treated fairly. Though you do your best, you and your employees or potential employees may not always see eye to eye. If you are sued by an employee for violating their rights, employment practices liability insurance can help.
All employees and potential employees are entitled to certain rights, and laws have been enacted to protect workers in Massachusetts and across the country. By law, you cannot discriminate based on race, religion, age, gender, disability, and many other factors. You must provide a work environment that is safe and free from harassment, and make reasonable accommodations for disabled employees. If you fail to do these things, or an employee believes you have, you may be sued. EPL insurance helps to protect your business when faced with such a lawsuit.
Employment practices liability insurance (EPLI) helps to cover lawsuits based on a number of factors. Some of the most common lawsuit charges include:
Many of these cases bring into question your compliance with laws such as the Civil Rights Act, Americans with Disabilities Act, Family Medical Leave Act, and other legislation. To reduce your risk of being sued, you should make sure you understand your legal obligations and develop employment practices that comply with the law.
Whether or not you are found guilty, lawsuits are expensive. Lawyer fees, court costs, judgements, and settlements can quickly add up and destroy your business. To protect your Massachusetts company, many experts advise investing in ELPI. With coverage between $1 million and $25 million, your business can be protected from a wide range of lawsuit situations. Defense costs, judgements, and settlements can all potentially be covered.
No matter how large or small your business is, you can be affected by an employment practices lawsuit. Experts advise that any company with employees consider purchasing this important protection. Costs vary based on type, size, and history of your business.
The number of lawsuits against employers has increased in recent years. Even if you do your best to maintain legal and fair employment practices, you may be sued, putting your business in financial jeopardy. Just like a personal umbrella policy in massachusetts, these business coverages can help to protect you. To help protect yourself, speak with your agent about employment practices liability insurance to help cover the costs of a lawsuit brought by an employee.