Employment Practices Liability Insurance

OMNI Request-a-Proposal  Request a proposal from an OMNI Representative

Feeling pulled in all directions by the threat of employment practices lawsuits?


With every action an employer takes-or fails to take with their employees-today’s employers face a growing risk of lawsuits that threaten their assets and can destroy their business.

As an employer-no matter how few or how many employees you have-you are going to feel the effect of expanding employment practices law, from the Americans with
Disabilities Act (ADA) to Title VII of the Civil Rights Act. It is very difficult to keep up with every new court ruling and state and local antidiscrimination statue.

As an employer — no matter how careful you are — you’re at risk for allegations of discrimination based on race, gender, religion, age, disability, sexual harassment or wrongful termination. The cost of defending against these allegations is substantial and settlements and verdicts can exceed $100,000.

As an employer-no matter how successful you are-you have the right and responsibility to protect your assets and reduce the risk of employment practices liability to your


Expanded employer liability presents risks for every employer in the country. Employers with 15 or more employees are subject to very strict federal and state regulations.

Key federal laws affecting employer liability:

  • Americans with Disabilities Act (ADA) – prohibits employers from discriminating against individuals with physical or mental disabilities who, with or without reasonable accommodations, are qualified to perform essential functions of the job; employers are required to make reasonable accommodations.
  • Title VII of the Civil Rights Act of 1991 – prohibits discrimination in employment on the basis of race, color, religion, sex, and national origin; also prohibits sexual harassment.
  • Even employers with fewer than 15 employees are subject to suits alleging harassment, discrimination, and wrongful termination.

These charges are defined as:

  • Discrimination – unfair treatment or denial of normal privileges to persons because of their race, age, sex, nationality, or religion; failure to treat all persons equally where no reasonable distinction can be found between those favored and those not favored.
  • Sexual harassment – unwelcome sexual advances, requests for sexual favors, and other verbal or physical conduct of a sexual nature when;
    • submission to such is made, either explicitly or implicitly, a term and condition of an individual’s employment; or
    • submission to, or rejection of, such conduct by an employee is used as the basis for employment decisions affecting such individual; or
    • such conduct has the purpose or effect of unreasonably interfering with an employee’s work performance or creating an intimidating, hostile, or offensive environment.
  • Wrongful termination – notification to an employee that such employee is no longer employed by the company, or actual or alleged constructive termination, that is done in a manner that is in violation of public policy.


Start by getting the best Employment Practices Liability Insurance protection you can buy to cover yourself, your business, your employees and your directors and officers.

Make sure your insurance covers the most important areas of employment practices liability that result in the majority of claims:

  • Termination – 41%
  • Discrimination – 12%
  • Sexual harassment – 9%

We have all of this and more available in an innovative stand-alone policy or part of a professional liability package, such as our Directors’ & Officers’ coverage.

Allow us to help you navigate through the maze. Call us today!

For more information, please contact us.