Employment Practices Liability San Diego Businesses Trust
Employment practice-related claims are becoming more and more common every year, and your agency could be facing lawsuits over discrimination, workplace harassment, and wrongful termination. Though these suits are most frequently filed against large corporations, small businesses are vulnerable as well. To protect your assets, you can purchase employment practices liability insurance a type of liability coverage designed to pay for defense costs and damages from employment-related claims. At American Tri-Star of San Diego, CA, we provide the employment practices coverage your business needs to prevail in the event of a claim.
Differences Between Employment Practices and General Liability
Securing a general liability policy is vital for any business, but it’s important to note these policies don’t cover all of a business’s potential risks. General liability insurance covers claims for tangible damage like bodily injury and property destruction, but it doesn’t cover claims directly related to employment. With insurance for employment practice liability, your business receives extended coverage for wrongful termination, sexual harassment, invasion of privacy, breach of employment contract, and a variety of other employee lawsuits.
How to Limit Your Employment Practices Liability Risk
Without definitive hiring and termination procedures and other essential employment policies in place, your business runs the risk of being sued by an employee. Though Tri-Star Insurance San Diego is here to provide assistance in the event of an employment practices lawsuit, ideally your business will never have to face one. Even when your agency is protected with employment practices liability insurance, you should still minimize your liability risk. There are a few preventive measures you can take, which include:
- Screening and hiring your employees carefully
- Creating clear workplace policies and developing an employee handbook
- Providing education and training in ethical and legal workplace practices
- Defining job descriptions clearly
- Instituting a zero tolerance policy regarding discrimination and harassment
- Documenting incidents thoroughly if they pose a liability risk
Combined with other types of liability insurance like errors and omissions, directors and officers, and general liability, an employment practices policy becomes an essential part of your business’s overall coverage. To learn more about the ways liability for employment practices can protect your agency, get in touch with Tri-Star Insurance at 619-272-2100 and one of our qualified agents would be happy to assist you.