The hospitality industry is ripe for claims related to discrimination. Establishments serving alcohol in particular must be aware that both employees and customers can make claim to unfair treatment. Employment Practices Liability Insurance or EPLI provides coverage to the establishment for claims initiated by either group.
Employment Practices Liability Insurance (EPLI): Legal Climate
EPLI can come as a stand-alone policy or as part of a General Liability Package. Coverage applies to claims brought against the entity regardless of merit should claimant desire to pursue legally.
The importance of EPLI in today’s civil court legal climate cannot be overstated. Juries are increasingly more emotional and often have an anti-corporate/anti-business bias. The success rate of civil cases has been fueled by Third Party Litigation. Attorneys will seek out cases and propose to represent claimant.
Coverage and Examples: EPLI for Bars, Taverns, and Restaurants
EPLI coverage aims to protect the owner/entity from financial losses arising from legal proceedings. In the event discrimination does occur and a suit is filed, say a bartender is sexually harassed by a manager, the insured business is protected from financial losses up to the limits selected (plus umbrella limits).
EPLI: Protected Lawsuit Examples
- Sexual harassment*
- Discrimination*
- Wrongful termination
- Breach of employment contract
- Wrongful infliction of emotional distress*
- Failure to employ or promote
- Negligent evaluation
* Lawsuits pursuable by Customers AND Employees
Wes Connor Insurance: Employment Practices Liability Insurance (EPLI) in 2024
Our agency follows the trends of all product lines. In 2024, we expect rates to stabilize for EPLI. Pricing primarily depends on the business class (type of customers/service), number of employees, and desired coverage limits.
We offer a diverse portfolio of insurance companies to offer not just EPLI, but a full spectrum of coverage to Bars, Restaurants, and Taverns. Hospitality is a key strength of ours, and it would be our pleasure to answer ANY questions relating to your insurance.
info@wesconnor.com
704-665-5340
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
