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More and more employers are finding out the hard way that the employment relationship has become increasingly complex, just read today's newspaper headlines will confirm this. If you have employees in the State of Pennsylvania, or New Jersey, you are exposed to potential employment liability claims. Employees know their rights and it is time for all employers to be more informed about how to protect their company.

Employment Liability Facts

  • Your Pennsylvania or New Jersey business is three times more likely to be sued by an employee than have a fire.
  • 6 out of 10 businesses don’t buy employment liability insurance
  • 7 out of ten businesses think their business insurance policy covers the risk
  • The average cost to defend a claim is $75.000

Here is why you need to make Employment Liability part of your commercial insurance program.

1. Covers the company and board

An EPLI (Employment Practices Liability Insurance) policy covers claims made against directors, officers, employees, the company and its subsidiaries. The policy can cover a long list of claims including wrongful dismissal/termination, sexual/racial/disability harassment, sexual/racial/disability/religious discrimination, employment related libel, slander, defamation and invasion of privacy, wrongful failure to employ or promote and retaliation

2. Increased claims

It’s becoming harder to ignore the (Me) culture which continues to gather pace. Small and medium sized business saw the largest increase in claims in 2013, up 33% according to human resources experts. The average claim cost is over $150,000.

3. Free legal help

Most EPLI policies provide free legal resources for firms to use. You can call an attorney to help you through a tough issue.

4. Cost is very competitive

Premiums are not has high as you might think. Premiums can run much less than the cost of defending just tone occurrence. 

We can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks.

Worthington Insurance, Inc has been a part of its vibrant tight knit Yardley community. Please call our office today.


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