EPLI & The #MeToo Movement

It seems like we can’t turn on the television lately without hearing about a sexual misconduct claim. The #MeToo movement has sparked a downpour of individuals coming forward with accusations of sexual misconduct in the workplace. As this fire is continually fueled, so is the need for business owners to address the possibility that this may affect their organization.

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Employment Practices Liability Insurance provides protection against claims arising from harassment, discrimination, wrongful hiring and firing, and other employment-related issues. While it is easy to assume that would never happen to one’s business, claims do not have to be factual to draw up hefty expenses. Think of EPLI as prepaid defense costs.

Between 2010 and 2017 alone there were over 200 thousand sexual harassment charges filed with the U.S. Equal Employment Opportunity Commission, as stated by Verisk.

According to Trusted Choice, within the past 2 decades, employee-filed lawsuits overall have risen roughly 400%. Disturbingly, statistics also show you are more likely to be sued by an employee than have a fire at your business.

It’s not just the large organizations of the world being impacted by these claims. According to Trusted Choice, over 40% of employee-filed lawsuits are brought against private companies with fewer than 100 employees.

EPLI extends beyond these accusations. It offers protection for a variety of suits including statute violations, wage and hour violations, wrongful denial of workers’ compensation, false positives from drug tests, libel, slander, breach of contract, fostering a hostile environment, emotional distress, and much more.

To learn how to best protect yourself and your business, contact one of our agents.

About the Author

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Madison Lieffort is a Sales Executive at Bouchard Insurance. Madison specializes in Property & Casualty, Workers’ Compensation, and Health Benefits for large commercial accounts. | Connect on LinkedIn