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SafeTalent
Employment practices liability coverage protecting employers from workplace-related claims.
Even with the best policies and procedures in place, employers can still be sued for alleged acts tied to employment policies.
Overview
Even with the best policies and procedures in place, employers can still be sued for alleged acts tied to employment policies.
Target Industries: All industries.
Eligible Accounts
Eligible
- Public or private companies
- One to 1,000 employees
- Pre-negotiated rates for claim free applicants
- First-time buyers
- Most industries can be considered
Out of Appetite
- Auto Dealerships
- Casinos
- Theme parks
- Political organizations
- Unions/Labor Organizations
- Restaurants/eating places with liquor exposure
Policy Highlights
- Duty to Defend policy language
- Full prior acts coverage
- Third party liability coverage for claims brought by non-employees for harassment or discrimination
- Automatic coverage for subsidiaries to report a claim 90 days after the policy period
- Preferred settlement clause
- Damages include punitive or exemplary damages up to the limit of liability, where insurable
- Automatic Extended Reporting Period
- Broadened definition of claim to include tolling agreements
- Limits of liability up to $5 million and as low as $250,000
- Primary or excess
- Competitive premiums and deductibles
