--- title: "Coverage Insights: Employment Practices Liability Insurance" description: Can my business be sued for harassment in the workplace? Yes, and unless you are comfortable paying the legal expenses and damages out of pocket, you should have employment practices liability insurance. image: https://blog.clarkeandsampson.com/hubfs/Logo%20Facebook.jpg --- - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) [![clarke&sampson](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/logo.png "clarke&sampson")](http://www.clarkeandsampson.com/) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) - [** ](https://www.facebook.com/clarkeandsampson) [**703-683-6601](tel:17036836601) [     Client Portal](https://portal.csr24.com/mvc/6601690) # Clarke & Sampson Blog # Coverage Insights: Employment Practices Liability Insurance Scott Jefferson | Thursday, July 1, 2021 Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/coverage-insights-employment-practices-liability-insurance) From the moment that your business starts the pre-hiring process until the exit interview, your business is vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations. If not, there is an insurance solution called employment practices liability that protects against instances such as wrongful termination and sexual harassment suits from your current, prospective or former employees. This coverage applies to directors, officers and employees, and can sometimes extend to third party liabilities. Why Choose Employment Practices Liability Insurance? According to industry researchers, three out of five employers will be sued by a prospective, current or former employee while they are in business (Zywave). While some suits are groundless and no damages are awarded, the cost to defend the claim can be damaging on its own. Employment practices liability policies provide protection from the following wrongful employment practices: · Harassment · Discrimination · Actual or alleged wrongful dismissal, discharge or termination · Employment-related misrepresentation · Employment-related libel, slander, humiliation, defamation or invasion of privacy · Wrongful failure to employ or promote · Wrongful deprivation of a career opportunity, wrongful demotion or negligent evaluation · Wrongful discipline · Vicarious liability for intentional acts · Punitive damages · Coercion or humiliation in relation to race, marital status, gender, age, physical and/or mental impairments, pregnancy, sexual orientation, and any other protected class established by federal, state and local statutes Many policies offer the following inclusions and add-ons: · Consultation, HR assistance and other risk management consultative services. · Coverage for defense costs outside the policy limits · Third-party liability coverage (ex. Employee harrassing a client) · Wage and hour coverage for claims alleging wage and hour violations ·Volunteer workers can be added as additional insureds · Extended reporting periods may be added. To learn more about employment practices liability coverage and how Clarke & Sampson, Inc. can help protect your business, contact us today at (703) 683-6601. Share | Facebook Twitter [Email ](mailto:?body=https://blog.clarkeandsampson.com/blog/coverage-insights-employment-practices-liability-insurance) #### Contact Clarke & Sampson, Inc Office: 703-683-6601 Fax: 703-739-8967 228 S.Washington St. Ste. 200 Alexandria, VA 22314 [Send an Email](mailto:sjefferson@clarkeandsampson.com) - [** ](https://www.facebook.com/clarkeandsampson) - [** ](https://twitter.com/clarkesampson) - [** ](https://www.linkedin.com/company/clarke-%26-sampson-inc) The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Agency Revolution to provide information on a topic that may be of interest. Agency Revolution is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2018 Agency Revolution. [Privacy Statement](http://www.clarkeandsampson.com//legal) | [Contact Us](http://www.clarkeandsampson.com/contact-us) ![Trusted Choice](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/1.jpg)  ![Independent Insurance Agent](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/2.jpg)  ![PIA](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/3.jpg)  ![Google](https://blog.clarkeandsampson.com/hubfs/Clarkeandsampson_November2018%20Theme/images/4.png)