​There is no doubt that employment liability (EPLI) claims are a major issue for most businesses.    Lawsuits from employees have risen over 300% in the last 10 years. Here is why you need to make Employment Liability part of your commercial insurance program.   The average cost to settle an EPLI claim out of court is $75,000. The average employment award in 2015 was over $215,000. There are a few things employers can do to limit or reduce the likelihood of having an EPLI claim.

• Start in the application stage.  Make sure your employment application does not ask anything that might be discriminatory in nature. Have a place for the applicant to sign allowing credit, personal, and criminal background checks.
• Have clearly stated job descriptions outlining job duties, skills required, and physical demands.
• Provide training for all supervisors and managers annually.
• Have a clear sexual harassment and discrimination policy.
• Require all employees to sign a statement that they have read the employee handbook and agree to follow all rules and directives.
• Develop a code of ethics policy.  This tells employees that they shouldn't do certain things, like giving kickbacks and engaging in other ethical violations.
• Have a clear anti-retaliation policy stating that the business will not retaliate against employees over accusations of discrimination or harassment.
• Do annual performance reviews and outline any issues or corrective action needed to increase performance or relationship issues with other employees.
• Document all conversations with employees and keep in their employment file.
• Make sure policies are in compliance with employment laws and implemented: Title VII of the Civil Rights Act of 1964, Age Discrimination in Employment Act, and American Disabilities Act.

It may be best to use an HR specialist or attorney to review your program. If you purchase EPL Insurance you may have some of these services included within your coverage. We can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks. Please call our office today.
 
 

​Some of the nation’s top risk managers often share their secrets with the world through published articles and on social media. We have been tracking these tips over the past year and thought we might share a few of them with you.
Trip and fall injuries from Disney – With the millions of people and employees walking around their parks, Disney protects itself by making sure all walkways are clean and clear of hazards. Having well lit parking and sidewalks can also cut down on accidents.
Home Depot prevents back injuries – Most Home Depot employees use a flex back type of product that provides support for employees while lifting and stretching. Offering safety equipment to employees that need it can reduce sprains and strains.
Safe driving from FedEx – FedEx delivers millions of packages every day and uses over 90,000 vehicles to do it. The best way to prevent auto accidents is education and training. Every driver should be trained in the following areas; driving in adverse weather, distracted driving, vehicle inspections, driver wellness, and hazardous materials safety.
As a business owner, you go to great lengths to provide a safe working environment for your employees. Workers’ compensation continues to be a significant cost driver for most employers, and understanding all the factors that can drive your workers' compensation cost can often be complex and time consuming.