Healthcare & Medical Insurance
Employment Practices Liability Insurance
for Healthcare & Medical
Healthcare organizations employ diverse teams and navigate complex HR regulations around overtime, discrimination, and leave policies. Employment practices liability (EPLI) protects your practice if an employee or former employee sues for wrongful termination, harassment, or discrimination.
Industry-Specific Insight
Why Healthcare & Medical Businesses Need Employment Practices Liability Insurance
Healthcare organizations employ diverse teams and navigate complex HR regulations around overtime, discrimination, and leave policies. Employment practices liability (EPLI) protects your practice if an employee or former employee sues for wrongful termination, harassment, or discrimination.
Coverage Details
What Employment Practices Liability Insurance Covers
Key protections included in a employment practices liability policy for healthcare & medical operations.
FAQs
Common Questions from Healthcare & Medical Businesses
Does EPLI cover claims from part-time or contracted medical staff?
Coverage varies by policy, but many EPLI policies can be extended to cover claims from part-time employees and in some cases independent contractors.
What's a typical cost of an employment lawsuit without EPLI?
The average cost to defend and settle an employment lawsuit exceeds $100,000. EPLI covers legal defense costs and settlements, making it essential for any employer.
Aren't I already covered by general liability?
No — employment-related claims are specifically excluded from general liability policies. EPLI is a separate, specialized policy designed specifically for the employment relationship. Most businesses with even a handful of employees should consider it.
Does EPLI cover wage and hour violations?
Standard EPLI policies typically do not cover wage and hour class action claims under the Fair Labor Standards Act (FLSA). Some carriers offer a limited endorsement. It's an important detail to review. A licensed agent can explain what's included and what's excluded.
Complete Coverage
Other Coverages Healthcare & Medical Businesses Commonly Need
A complete protection plan for healthcare & medical operations typically includes several complementary coverages.
Healthcare & Medical · Employment Practices Liability
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