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Employment practices liability insurance a must for all businesses


While many small businesses believe that their staff of employees and higher-ups is like a family, it is important to stay protected with employment practices liability insurance in case things go wrong and an employee or past employee sues, reported Smart Business.

Cliff Baseler, an insurance expert, shared some of the ins and outs of employment practices liability insurance with the website, saying that companies that don't have an employment practices liability insurance policy can be put out of business by a lawsuit.

According to Baseler, this type of insurance can protect employers from lawsuits involving allegations of discrimination, wrongful termination, sexual harassment or other employment-related claims made by employees or potential employees, including whistleblower claims.

Baseler told the source that any company can be the target of an employment practices lawsuit, even if it has the necessary business insurance coverage in place and has followed best practices for educating employees about workplace conduct, which means the insurance policy is needed to be protected from charges of illegal employment practices.

One current lawsuit where an employment practice liability insurance policy could help is reported by the Pennsylvania Record, in which a former marketing and communications director for KYW Newsradio 1060 in Philadelphia has filed a discrimination complaint against the station’s parent company.

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