Management Liability

Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and legal trends mean we can effectively manage your risks in real time—an imperative in this ever-changing business environment.

Professional Liability (E&O) Directors & Officers Employment Practices Liability Healthcare Other Coverages
Employment Practices Liability Coverage Overview

Employment Practices Liability (EPL) protects the company against damages for events relating to their workforce, including, but not limited to: wrongful terminations, harassment, discrimination, defamation and unfair hiring/firing practices; and provides defense costs associated with responding to employment-related lawsuits.

Companies should consider buying EPL Liability Coverage for the following reasons:

  • Employers are facing increasing legal obligations while managing their workforces
  • Increased awareness and visibility of employment-related lawsuits
  • Settlements can have a significant impact on the company’s financial stability
  • Cost to defend against employment suits is high regardless of the outcome
  • A mishandled employment lawsuit can cause irreparable harm to a company’s reputation
  • Lawsuits from language in employee handbooks and other written policies are common
  • Commercial GL policies are not adequate to respond to EPL matters
Sources of EPL Claims

Some sources of EPL claims are the following:

  • Race and sex discrimination
  • Federal, state, city and county statutes
  • Customers, clients and consumer groups

In addition, these claims can come from employees, former employees and employment applicants:

  • Wrongful termination – Discharge in Violation of Public Policy
  • Invasion of Privacy – Assault and Battery
  • Emotional Distress – Harassment/Discrimination
  • Breach of Contract – Defamation
Regulatory Violations and Government Investigations
  • Equal Employment Opportunity Commission (EEOC) – Equal Pay Act (EPA)
  • Department of Labor (DOL) – Title VII
  • Age Discrimination in Employment Act (ADEA) – Americans with Disabilities Act (ADA)
  • Fair Labor Standards Act (FLSA) – Family Medical Leave Act (FMLA)