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Employment Practices Liability


Employment-related lawsuits continue to increase in the United States. To meet this threat, Physicians Insurance offers Employment Practices Liability (EPL) endorsement coverage to meet our members’ human resource needs.
Our default Employment Practices Liability (EPLI) endorsement includes:
  • Up to $100,000 per insured event for the defense and costs of employment-related claims
  • A low, $2,500 deductible
  • Third-party coverage
  • Members-only access to online HR Risk Management tools
  • Business and Legal Resources (BLR®), which provide useful updates and comparisons on federal and state laws, compliance guides, forms, posters, job descriptions, and more
  • Legal consultation for employment practices issues
Our enhanced EPLI endorsement for employment-related lawsuits includes the following features:
  • Higher Limits: choose from $300k/$300k; $500k/$500k; $1M/$1M; or $2M/$4M
  • Additional defense limit available
  • No deductible
  • Third-party coverage
  • Members-only access to online HR Risk Management tools  provided by BLR. Offerings include, useful updates and comparisons on federal and state laws, compliance guides, forms, posters, job descriptions, and more
  • Legal consultation for employment practices issues
  • Subject to underwriting. A waiting period may apply.
 

Physicians Insurance Agency
Physicians Insurance Agency is licensed under the name of Association Insurance Services, Inc. Physicians Insurance Agency/Association Insurance Services, Inc. is licensed to do business in Washington, Oregon, and Idaho.



NOTE: These brief descriptions do not offer or change coverage. All insurance policies are controlled by the terms of the policies.


For personal assistance with any of our insurance applications or forms, please
contact us at (800) 962-1399 and ask for
a member of our Sales and Account Management team.

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