Employment Practices Liability

Employment Practices Liability

Maybe a manager makes an inappropriate comment about an employee. Perhaps you as the business owner are wrongly accused of retaliation. These scenarios are one of many that could result in an Employment Practices Liability complaint.

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Guild Insurance offers liability insurance for restaurants

What

What is Employment Practices Liability?

Employment Practices Liability insurance is designed to provide coverage for employee-employer disputes that could involve discrimination, sexual harassment, retaliation, violations of the Family Medical Leave Act, wrongful discipline or termination, and wrongful failure to promote.

Facts

Businesses are 3 times more likely to be sued by an employee than to experience a fire.
The average EPLI claim can cost up to $75,000 if settled out of court.
Court costs and legal fees in a trial can balloon to $150,000+.
EPLI claims resolution can take between 18-24 months.
Employee lawsuits have risen over 400% in the last 20 years.

Are you covered?

Nearly 75% of small businesses elect to not carry Employment Practices Liability Insurance. This is arguably the most significant coverage gap for hospitality businesses. The very nature of restaurants and bar atmospheres lead to a higher potential for these types of claims.

Why

Why Employment Practices Liability?

Your manager makes a vulgar joke among a group of employees, many of whom wince with disapproval. An employee is terminated for what you believe to be just cause, but the employee claims it was due to their sexual orientation. A long-time employee becomes upset they were not promoted over a newer employee. These situations could be ticking EPLI time bombs.

Coverage Highlights

Limits from $100,00 to $1,000,000
Third Party Coverage available
Wage & Hour dispute coverage option available on stand-alone policies
Free EPLI legal advice hotline available

Claim Vault

Your night shift manager has what he believes to be a “loose, friendly, and anything-goes” relationship with his crew. He repeatedly refers to some ethnic members of his team in a derogatory manner. Months later, you are served with several complaints from the Equal Employment Opportunity Commission. There are four complaints and each end up being settled for $50,000 plus legal fees. Thankfully, your EPLI policy responded with defense and award of damages.

True Story—We’ve been around since 1946. We’ve seen a lot.

How

How to Begin

Complete our easy online quote form and sit back and relax; Guild Insurance handles the rest. Our professional agents will submit your business to our top-rated carriers and contact you once the quote is received.

Guild Insurance has you covered!

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Our Other Coverages

You’ve invested a lifetime of passion in your business; You need an insurance policy that will protect it. Guild Insurance offers insurance policies that meet each unique challenge the hospitality industry presents.

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