When should you buy insurance?
April 29, 2022
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First Underwriters offers comprehensive insurance products for construction contractors in the western United States, covering general liability, property damage, worker's compensation, automobile coverage, builder's risk insurance, and equipment insurance. Our experienced professionals tailor policies to meet individual contractor needs, and our support team is available to offer guidance throughout the policy period. They provide reliable coverage, personalized service, and competitive pricing to make them a trusted partner for contractors.
Employment Practices Liability Insurance
Many employers do not realize that they have a gap in their insurance coverage that leaves them vulnerable to discrimination and harassment lawsuits from customers, clients, vendors, and suppliers. Standard EPLI policies only provide coverage for lawsuits brought about by employees or prospective employees, and most commercial general liability (CGL) policies specifically exclude coverage for harassment and discrimination. That’s where third-party EPLI comes in.
Third-party EPLI fills this gap between EPLI and CGL and offers protection against allegations of wrongful acts made by customers, clients, vendors, and suppliers.
In general, covered claims include the following:
Discrimination based on the following:
The following forms of harassment:
Third-party EPLI is vital for businesses that deal with customers on a daily basis. However, even if your firm doesn’t have a lot of interaction with the general public, you may still benefit from third-party EPLI coverage if your operations involve clients, suppliers or vendors. To learn more about third-party EPLI coverage and how First Underwriters, Inc can help protect your business, contact us today at (425) 242-5357.
Full Service Insurance Brokerage Firm Offering Personal, Commercial, Life, and Health Insurance in addition to Risk Management Consulting.
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The opinions expressed on this site are the opinions of the individual author and may not reflect the opinions of First Underwriters Insurance Brokers. All content appearing on this website is not meant to be exhaustive or construed as legal advice. Consult your licensed broker at First Underwriters to address specifics, possible concerns or compliance requirements.
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