| Products -> PROtect™ Professional Liability Products -> Employment Practices Liability Insurance (EPLI) Program -> Stand-Alone EPLI
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Stand-Alone EPLI
Even the smallest employee dispute can turn into expensive litigation. Spurned by federal legislation, monetary awards for employment-related claims – for harassment, discrimination, wrongful termination, retaliation, defamation and other workplace torts – are steadily rising, with no end in sight.
Employment-related claims can have a devastating financial impact on a company’s bottom line. The 5Star EPLI Program provides experienced and expert underwriting for EPL risks, and was developed with the employment-related exposures of both private and public companies in mind. Underwriting and policy issuance is performed by 5Star EPLI Program Underwriters in Chicago.
Eligibility
- All classes of business considered (except PEO’s/leasing/temp agencies)
- Employee size: up to 1,000
Program Highlights
- Broad definition of Discrimination, Harassment and Inappropriate Employment Conduct
- Duty to Defend – We give strong consideration to the Insured’s preference for defense counsel
- Coverage for the entity, directors, stockholders, officers, partners, managers, supervisors, full-time, part-time, seasons, volunteer and temporary employees
- Prior Acts Coverage provided while punitive damages (where insurable) and third party coverage available for most risks
- Experienced and responsive claims team comprised of labor attorneys
- 5Star Helpline™ (5Star Helpline is a complimentary specialized loss prevention service which includes live attorney advice, HR alerts, Web resources, and more.)
Program Parameters
- $500,000 to $2,000,000 Limits available
- Minimum Retentions as low as $5,000
- Minimum Premiums as low as $2,500
Submission Requirements
- Signed and Dated application
- Five year loss history, including a supplemental claim form completed for each loss
- Third party coverage supplement questionnaire (if coverage desired)
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