Employment Practices Liability Insurance

Event planners manage diverse teams, vendors, and staff. Even with strong HR practices, disputes can arise. Employment practices liability insurance (EPL) protects event companies against lawsuits tied to wrongful termination, discrimination, harassment, and other workplace claims.

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EPL Insurance Coverage

EPL insurance coverage includes protection for:

• Wrongful termination claims

• Discrimination lawsuits

• Harassment allegations

• Retaliation claims

HR Claims Insurance

HR claims insurance helps event planners manage risks tied to employee relations.

• Covers legal defense costs

• Provides settlement support

• Protects against reputational damage

Wrongful Termination Insurance

Wrongful termination insurance covers claims when employees allege unfair dismissal.

• Legal fees

• Settlements or judgments

• Mediation costs

Workplace Discrimination Insurance

Workplace discrimination insurance protects against lawsuits tied to race, gender, age, or disability bias.

• Defense costs

• Settlement payments

• Compliance support

Employee Lawsuit Insurance

Employee lawsuit insurance provides broad coverage for claims brought by staff.

• Wrongful discipline

• Failure to promote

• Hostile work environment

Harassment Claims Insurance

Harassment claims insurance covers allegations of workplace harassment, including sexual harassment and hostile work environment claims.

• Legal representation

• Settlement costs

• Employee support programs

EPL Insurance Policy

An EPL insurance policy outlines coverage limits, exclusions, and claims processes.

• Premiums based on company size and risk profile

• Coverage for managers, directors, and staff

• Clear claims procedures

EPL Insurance Cost

Factors influencing EPL insurance cost include:

1. Company size

2. Industry risk profile

3. Claims history

4. HR practices

Premiums vary but typically range from a few thousand to tens of thousands annually depending on exposure.

EPL Insurance Companies

Leading EPL insurance companies provide flexible policies and strong claims support.

• The Hartford

• Berkley Select

• Marsh

• QBE

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