Most businesses know that they need to insure their buildings and property, liability from operations, and workers compensation, but only 3 out of 10 businesses insure their exposure to employment practices liability. 

Employment practices liability arises out of interviewing, hiring, managing and firing employees. Some common types of employment practices liability claims are: 

  • Wrongful Termination
  • Discrimination  (both existing employees and potential employees who’ve interviewed)
  • Sexual Harassment
  • Retaliation

The cost of not insuring these potential liabilities can be quite high. The average costs to defend such a lawsuit are $80k – $100k. It’s not uncommon for settlements in these cases to reach $1 million or more!

The solution is Employment Practices Liability Insurance. This policy covers: 

  • Attorney Fees
  • Court Costs
  • Settlement Costs

Plus, your case will be handled by a team of claims adjusters that know how to defend against these lawsuits. 

Please keep in mind that workers compensation or general liability insurance policies  DO NOT provide coverage for these types of claims. 

The short video below explains Employment Practices Liability Insurance in more detail. You may also be interested in this article from the Insurance Information Institute on Employment Practices Liability Insurance. 

Call us today for more information or a quote.  (706) 216-3296


About Dawson Insurance

The first independent insurance agency in Dawson County, Dawson Insurance has a history of excellence since 1964. Located in Dawsonville, Georgia, we also offer unparalleled service and competitive quotes to personal and business insurance clients in Cumming, Gainesville, Alpharetta, and throughout the entire State of Georgia.

(The above article provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions, and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.)