Discrimination / Employment Practices – Are YOU protected?

Are You Protected?

Do you have an EPLI / Discrimination Policy? – IF NOT – your business insurance and Work Comp DO NOT cover ANY of the above!

If you do have an EPLI policy – WHAT does it cover? for how much?  The coverage for these policies VARIES WIDELY – some are very comprehensive and some provide VERY LIMITED  protection.  KNOW what you have: – KEY questions to ask:

• Does your policy cover “Third Party”? ( customers, vendors etc)
• Does your policy cover “WAGE & HOUR” Violations?
• Does it protect you against Immigration (ICE) investigations?
• How much coverage? – is it $50,000 or $2,000,000? – this is generally EXCLUDED from your commercial Umbrella!
• Do you have protection for “Prior Acts?”?  if so – how far back?
• What is your deductible / participation rate? (I have seen “covered claims” cost insured over $100,000 out of pocket)
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The key here is to KNOW what your exposure is before an unexpected accusation (you DO NOT have to be guilty of anything for this to cost you a fortune) ruins your company

Give us a call @ – 1-888-945-1495 Ext 101  or visit us at  www.iseinsurance.com/about.aspx  To learn more about how we can help you protect your business>