Employment Practices Liability

The Right Protection When You Feel Wronged

Unlike some BOP policies, Atlanta Life’s BOP can help protect your business if your customers, vendors, or others accuse you of harassment or discrimination. Other BOP’s may limit protection to just your employees.

To help give you the protection you need – especially if you have a significant amount of customer contact — third-party EPL coverage is included for most businesses in the following industries:

  • Business, Personal & Professional Services
  • Manufacturing
  • Medical Offices
  • Printing & Publishing
  • Restaurants
  • Real Estate
  • Specialty Trade Contractors
  • Veterinary & Non-Veterinary Animal Services
  • Wholesalers
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Our Business Owner’s Policy Works Overtime to Help Protect You

With a long-standing history of protecting small businesses, Atlanta Life’s Business Owner’s Policy (BOP) continues to provide protection tailored to your specific industry, and business. But their BOP not only covers your business, it can help protect you as an employer from financial damages resulting from allegations of sexual harassment, discrimination, wrongful termination, violation of the Family & Medical Leave Act, and other types of employment-related claims.

Extra Protection at No Extra Cost

While other BOPs may limit your protection just to claims made by employees, Atlanta Life’s BOP can protect you from more claims – so that if customers, vendors, or others accuse you of sexual harassment or discrimination, you’re protected.

Not all Business Owner’s Policies offer the extensive coverage that’s included with Atlanta Life’s BOP1. Extra Employment Practices Liability (EPL) protection is included automatically for businesses in many industries without requiring separate elections or additional premium charges.

Coverage details2:

  • The BOP automatically includes $10,000 of EPL coverage
  • Built-in third-party EPL coverage for certain classes
  • Built-in wage and hour defense coverage

And if you think $10,000 isn’t enough, increased limits of up to $1,000,000 may be available

  • In Minnesota and New York, EPL coverage is not automatically included in the Spectrum Business Owner’s Policy. EPL program described herein does not apply to EPL coverage written in California.
  • Employment Practices Liability coverage is not available in all states or to all classes of business. The $10,000 limit applies to Growing Spectrum business written in Sentinel Insurance Company, Ltd. A $5,000 limit applies to business written in all other Spectrum class plans. The EPL program described herein does not apply to EPL coverage written in California. There is no built in EPL coverage in Minnesota or New York.
  • Limits up to $1M are available to policies written in Sentinel Insurance Company, Ltd. Limits up to $500,000 are available to business written in all other underwriting companies
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For more than 100 years, Atlanta Life has helped prepare and protect over 1 million small businesses… so they can PLAY ON.

Putting More Resources to Work for You

Employment law issues are complicated, emotional and require experience. It’s why, when you purchase increased EPL limits, you’ll receive access to:

Legal advice on employment practices and procedures through the Jackson Lewis Help Line, among other valued services.

EPL-related resources like downloadable forms, employment best practices and lawsuit prevention training materials through our proprietary website.

Don’t Be Forced to Hammer Out a Settlement

If you believe you’ve been falsely accused, Atlanta Life will stand by you.

Here’s an example of how a case could play out under an EPL policy:

  • The plaintiff – who has sued you (the employer) for $500,000 – agrees to settle for $200,000.
  • You – feeling you’ve done nothing wrong – don’t agree to settle and wish to continue fighting the claim, despite Atlanta Life’s recommendation that you settle for $200,000.
  • Ultimately, the plaintiff is awarded $300,000. But because you have a Business Owner’s Policy, there’s no EPL hammer clause to obligate you to pay the difference between the final award and what you could have settled for ($100,000) or the cost of defense incurred following the missed settlement opportunity.

Dropping the hammer clause means you have more freedom to vigorously defend yourself, and less fear of significant financial consequences.

  • Business, Personal & Professional Services
  • Real Estate
  • Manufacturing
  • Specialty Trade Contractors
  • Medical Offices
  • Veterinary & Non-Veterinary Animal Services
  • Printing & Publishing
  • Wholesaler

We’re confident you’ll select Atlanta Life BOP to help protect your business. Get an Atlanta Life BOP quote today and be sure to request increased EPL limits to help ensure you have the coverage you need if you’re ever sued.

Get a Quote Today!