Physicians Insurance, A Mutual Company
The premier provider of medical professional liability insurance for physicians,
other medical professionals, clinics, and hospitals in Washington, Oregon, and Idaho.

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Employment Practices Coverage
Employment-related lawsuits are the fastest-growing type of civil litigation in the United States. Insureds need to be aware of this exposure and plan for the future. Physicians Insurance offers the following services to meet our members’ human resource needs:
 
Employment Practices Liability (EPL) endorsement coverage provides up to $100,000 per insured event for the defense and costs of employment-related claims, with a $1,000 deductible. Because it is built into most of the professional liability policies, there is no extra charge for this coverage.
 
Our insureds have members-only access to useful updates and comparisons on federal and state laws, state compliance guides, forms, posters, job descriptions, and more.

Upgraded coverage for employment-related lawsuits is available to qualified applicants as a separate policy through our Agency. This policy uses the $100,000 endorsement as a deductible to offer significant premium savings and can include the following additional benefits:

  • Higher Limits
  • Expanded HReSource tools, including online training programs and audio conferences 
  • Unlimited access to employment attorneys and online contact with forms, checklists, federal and state updates, and HR Express updates 
  • Telephone consultation for employment practices issues
  • Sublimit of $50,000 to $100,000 for claims involving federal or state wage and hour laws
  • Sublimit of $100,000 for employment liability claims arising from the actions of a state-approved CQIP (Coordinated Quality Improvement Program). 

To obtain a premium estimate for an upgraded EPL policy that reflects your clinic setting, you can request a premium indication online or call our Marketing Department at 1-800-962-1399 (Seattle) or 1-800-962-1398 (Spokane).

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