Wonder why other businesses make sure to get a tailored Employment Practices Liability policy? It’s because they don’t want to take the risk of likely scenarios that, if you employ workers, you have as well.

Case Scenarios of Insurance Claims Brought by Employees

• NJ Discrimination or Wrongful Termination Insurance Coverage
  As legally granted by the Family Medical Leave Act, Melinda (not real name) took temporary leave of her managerial marketing position after giving birth to her first child. Just 30 days following her return to work, Melinda was handed the pink slip. The boss said the reason for her job’s termination was because she had failed to perform her duties properly. Melinda was confused: before her leave of absence there had been no mention of poor performance! Melinda filed a wrongful termination suit against the company.
  
  
• NJ 3^rd Party Liability Insurance Coverage
  Wearing dark sunglasses, a blind man was guiding into a popular food store by his trained dog. Fearing the dog presented a health risk, the head butcher at the delicatessen department requested that the customer leave his dog outside of the grocery. The blind customer filed a lawsuit in regard to the Americans with Disabilities Act.

• NJ Internet-Email Liability Insurance Coverage
  A worker thought his inappropriate email message was solely  delivered to one co-worker. By mistake, it was sent to the entire staff. The owner of the company demanded that the employee send a follow-up apology email to everyone in the office. It was just 60 days later that the company began to issue layoffs. The employee did not forget the email affair and cited a hostile work environment as the cause of his lawsuit.

• NJ Spouse Liability Insurance Coverage
  An employee threatened her boss that she would file a sexual harassment lawsuit against him. The boss took her warning seriously and transferred much of his assets to his wife’s name. Sure enough, the employee did what she said she would do, but named her boss as well as his wife in the suit due to the joint assets.

• NJ Retaliation Insurance Coverage
  An Indian worker at a boat repair and painting company voiced objections to the administration in regard to racial comments he was getting from some fellow employees. The worker’s manager had him transferred to another department where he would be isolated from the others and where he would receive a lower pay rate. The Indian worker filed a lawsuit for discrimination and retaliation for complaining about the bias he had experienced.

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Summary: Why do other businesses get Employment Practices Liability Insurance? The same reason you should! See claim examples here.