Why choose IOA for employment practices liability insurance?
Whether it’s allegations of discrimination, wrongful termination, harassment, or other employment-related issues, these claims can be costly and disruptive. Having the right insurance coverage is critical. IOA’s team of advisors is here to help you navigate the complexities of EPL insurance and find the coverage that aligns with your business needs and risk profile.
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Identify coverage gaps
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EPL insurance often complements policies like general liability or workers compensation by covering risks these policies exclude.
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Access industry-leading insurers
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We work with top insurers to find policies that align with your company’s unique employment-related risks.
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Simplify compliance
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With our expertise, you can better navigate evolving employment laws and regulations.
Coverage features
EPL insurance policies typically include protection for:
Discrimination claims
Allegations based on age, gender, race, disability, or other protected categories.
Wrongful termination
Insures against legal claims alleging unjust dismissal.
Harassment
Includes sexual harassment claims from employees, customers, or other stakeholders.
Retaliation
Covers claims alleging punitive actions for reporting misconduct.
Breach of employment contract
Covers claims alleging violations of contractual obligations.
Mismanagement of benefits
Includes errors related to employee benefit plans.
Failure to hire or promote
Covers disputes arising from recruitment and advancement decisions.
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Speak to an IOA broker who understands your industry, goals, and challenges.
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