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Seattle Business Risks

Oct 17, 2016
If you have employees, you are exposed to potential employment liability claims. Employees know their rights and it is time for all employers to be more informed about how to protect their company. Here are a few reasons to consider employment liability coverage. Here is why you need to make Employment Liability part of your commercial insurance program.

1. Covers the company and board
An EPLI (Employment Practices Liability Insurance) policy covers claims made against directors, officers, employees, the company and its subsidiaries. The policy can cover a long list of claims including wrongful dismissal/termination, sexual/racial/disability harassment, sexual/racial/disability/religious discrimination, employment related libel, slander, defamation and invasion of privacy, wrongful failure to employ or promote and retaliation
2. Increased claims
It’s becoming harder to ignore the (Me) culture which continues to gather pace. Small and medium sized business saw the largest increase in claims in 2013, up 33% according to human resources experts. The average claim cost is over $150,000.
3. Company reputation
A company’s reputation in the marketplace can be severely damaged by employment practice claims. The negative publicity may be followed by potential reluctance of your clients and/or suppliers to trade with the company.
6. Free legal help
Most EPLI policies provide free legal resources for firms to use. You can call an attorney to help you through a tough issue.
7. Cost is very competitive
Premiums are not has high as you might think. Premiums can run much less than the cost of defending just tone occurrence. 
We can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks. Please call our office today.
 
At Belltown Insurance Group, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. 
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2133 3rd Ave #106 Seattle, WA 98121 | Phone: (888) 443-7744 | Fax: (206) 443-8335 | Toll Free: (888) 443-7744 | Email Us | Get Map
3911 5th Ave. Suite 200 San Diego, CA 92103 | Phone: (619) 312-4098 | Fax: (619) 688-4098 | Toll Free: (888) 443-7744 | Email Us | Get Map
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