Related Topics
Sub-Agent
Appointment Info
CH&LA Work
Comp Program
Pacific
Hospitality Program
CH&LA
Employee Benefits
CH&LA EPLI
Coverage
Plate Glass
Coverage
ASAIB
Billing Procedure
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POLICY FEATURES
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Punitive
damage coverage with most favorable venue wording
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“Duty
to defend” “pay on behalf of” contract
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Liberal
provision for adding subsequent acquisitions
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Types
of coverage provided: Discrimination Acts, Defamation, Invasion of
Privacy, Family Medical Leave Act, Intentional Infliction of Emotional
Distress, Americans with Disabilities Act (ADA), Age Discrimination in
Employment Act (ADEA), Sexual Harassment, Wrongful Termination,
Employment Related Misrepresentation
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Coverage
for “Third Party” EPL claims, i.e., claims brought by
non-employees (vendors, customers, clients, patrons, independent
contractors) alleging discrimination or sexual harassment. This includes Defense Coverage for ADA Claims.
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No
co-insurance
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No
"intentional acts” exclusion
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Coverage
applies to class action lawsuits and is treated as one claim
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Coverage
applies to “administrative hearings”
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“Insured
Event” includes claims made by “past, present, future and
prospective employees” as well as seasonal and temporary employees
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Coverage
is provided to include “back-pay” as well as “front-pay”
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Definition
of “claim” includes a proceeding for injunctive or non-monetary
relief
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Limit
options range from $500,000 to $5,000,000 per claim/aggregate
The above description is not a complete
description of all terms, exclusions, and conditions in one policy. The insurer may change policy terms from time to time, and
the preceding description(s) is not intended to be relied upon by
potential insureds. Brokers
or applicants interested in this coverage should request a specimen copy
of the policy form itself for the precise scope and limitations of
coverage. Issuance of
coverage is subject to underwriting.
RISK MANAGEMENT TOOLS
HR/Comply
(Available at no charge for accounts with
annual premium of $5,000 or greater)
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On-line
resource for human resource issues
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Highly
acclaimed database containing overview of Federal codes pertaining to
US employment practices
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Legal
library references from one of the nation’s leading labor law firms
(Seyforth, Show & Fairweather)
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Sample
handbook policies
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Self-audits
to detect potential problems with current employment practices
EPL HOTLINE
EMPLOYEE HOTLINE
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Provides
tool for CH&LA members to anonymously report harassment,
discrimination and other employment-related problems
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Available
24 hours a day, 7 days a week
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Calls
are summarized and forwarded to policyholders within 24 hours
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Designed
to eliminate fear of reprisal for reporting inappropriate actions by
supervisors or management
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Demonstrates
commitment to creating a quality work environment
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Toll-Free
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Early
detection tool
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Allows
management to take action quickly
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Vital
tool for prevention and damage control
EMPLOYMENT PRACTICES BEST WORKPLACE
PRACTICES MANUAL
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Contains
specimen policies and procedures for use for domestic and foreign
operations
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Includes
sample letters to employees on company “Zero Tolerance” policy
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Outlines
suggested protocol for internal company investigation into allegations
of discrimination and/or harassment
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