Employment Practices Insurance
Protect your business from costly employment-related claims and ensure a safe and inclusive workplace for your employees.
A Secure & Harmonious Work Environment
Safeguard your business against the complexities of employment-related risks and legal disputes.
At Manna Insurance, we understand the unique challenges and evolving legal landscape that businesses face today.
Working with us means you have a dedicated team of experts who can navigate the intricacies of employment practices insurance on your behalf.
Whether you run a small startup or a large corporation, we can tailor a policy that precisely fits your organization’s needs.
We will work to ensure that your workplace remains fair, compliant, and free from potential liabilities, allowing you to focus on what truly matters - your business and your employees.
So what coverage do I need?
Protection for a Fair & Respectful Workplace
Wrongful Acts
Employment Practices Liability Insurance (EPLI) shields your business and its leaders when they inadvertently make employment-related missteps, like wrongful termination, discrimination, or harassment claims.
Discrimination
EPLI defends against claims of discrimination based on age, gender, race, or other protected categories. It ensures that your workplace remains a safe haven for diversity and inclusion.
Harassment
EPLI steps in to combat workplace harassment claims, ensuring that your employees are treated with the dignity and respect they deserve.
Legal Defense
In the event of a claim, EPLI covers legal defense costs, ensuring you have a skilled legal team by your side to navigate the complex legal landscape.
Third-Party Protection
If a client or vendor alleges employment-related wrongdoing by your business, EPLI has your back.
Wage & Hours
EPLI guards against claims related to wage and hour violations, such as unpaid overtime or wage discrepancies, keeping your payroll practices in check.
Retaliation
EPLI shields your business against retaliation claims when employees report wrongdoing within the organization. It ensures that employees can speak up without fear of reprisal.
Hiring Practices
When it comes to hiring, EPLI helps safeguard your business from claims related to negligent hiring or unfair employment practices during recruitment.
Termination
EPLI guides you through proper termination procedures, minimizing the risk of wrongful termination claims during workforce reductions.
Compliance
EPLI helps you stay compliant with ever-changing employment laws and regulations, reducing the risk of unintentional violations.
Training & Education
Some EPLI policies offer HR training and education resources. It keeps your team informed and reduces the likelihood of employment-related slip-ups.
Ways to Save on Employment Practices Insurance
Maintain thorough and organized records of all employment-related activities, including hiring, termination, and performance evaluations. Proper documentation can help defend against claims and reduce insurance premiums.
Documentation
Implement robust human resources policies, employee training, and clear communication channels to reduce the risk of employment-related claims. Insurers often offer lower premiums to businesses with strong HR practices.
Effective HR Practices
Regularly assess your workplace for potential risks and invest in training programs to educate employees and management about employment laws and discrimination prevention. Demonstrating proactive risk management can result in lower insurance costs.
Risk Assessment & Training
Frequent Questions About Employment Practices Insurance
Insurance can be complicated and confusing. We’re here to help answer your most common questions about employment practices insurance coverage.
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EPLI is a type of insurance that provides coverage for employers against claims made by employees alleging wrongful employment practices, such as discrimination, harassment, wrongful termination, and other workplace-related issues.
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EPLI coverage is recommended for businesses of all sizes, as employment-related claims can arise in any workplace. It is especially crucial for businesses with employees, as even unintentional mistakes can lead to costly legal actions.
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EPLI policies typically cover legal defense costs, settlements, and judgments related to claims of wrongful employment practices. This can include claims of discrimination, harassment, retaliation, wrongful termination, wage and hour violations, and more.
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Third-party EPLI coverage extends protection to claims made by clients, vendors, or other third parties alleging wrongful employment practices by your business. It's an important consideration for businesses that interact with external parties.
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Some EPLI policies may provide coverage for punitive damages, but coverage varies by insurer and policy. It's important to review your policy to understand its specific terms.
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EPLI can cover claims from both current and former employees, as long as the alleged wrongful acts occurred during the policy period.
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EPLI policies can cover claims related to violations of state employment laws, but it's essential to review your policy to ensure it aligns with the specific laws applicable to your business.
More Coverage Options
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Voluntary Benefits (Aflac)
Provide additional coverage options to your employees with voluntary benefits through Aflac.
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Employee Benefits Insurance
Healthy employees, healthy operations. Keep your team feeling good with strong medical and benefit plans in reach.
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Life Insurance
Family is so important. Make sure they’re taken care of for life.
Kind Words from Our Customers:
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Ciarra Flint
★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
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AJ Johnson
★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
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Emily Kooistra
★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!
Welcome to the Family
As a Manna Insurance customer, you are not just a number to us. We see you as part of our family and all that goes with being part of the #MannaFam.