Full Prior Acts Available for Most Risks
Provides coverage for acts occurring prior to the inception of the policy that result in claims made during the policy period?
Punitive Damages are included in the definition of Loss with most favorable venue wording (available in most jurisdictions). Punitive damages can be one of the largest EPL exposures for an organization.
Most favorable venue wording is especially important for organizations with multiple locations as punitive damages are not insurable in all states.
Third Party coverage available for most classes of business provides coverage for claims made by non-employees, usually customers or vendors, that allege that an employee harassed or discriminated against them. Independent Contractors are included in the definition of Employee.
Risk Management Services
Free unlimited employment practices consultation helpline PLUS Sexual Harassment Prevention Training online at a 50% discount (satisfies state mandated training for CA, CT and ME)
The PeopleSystems® Help Line provides toll-free consultation with a team of HR specialists trained to help Principals/Managers respond effectively to their unique personnel issues such as:
- Wage and Hour regulations
- Human Rights
- Sexual Harassment and Discrimination
- Personnel policies and practices
- Corrective discipline, suspension, termination and warnings
- Employment laws including but not limited to:
- The Americans with Disabilities Act
- The Family Medical Leave Act
- COBRA and
- The Fair Labor Standards Act.
