| Employment Practices Liability |
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EPLI is a standalone, duty to defend coverage for employment related claims such as harassment, discrimination, and wrongful termination.
Ramsgate represents several companies which offer Employment Practices Liability, from small businesses to large corporations.
Maximum Limit: $15,000,000
Minimum Retention: $ 5,000
Minimum Premium: $1,500
Target Classes
- Franchise Operations
- Hospitality (Restaurants/Hotels)
- Law Firms
- Larger Employer Risks (5000+ employees)
- Associations
- Municipalities
- Employee Leasing (PEO)
Other Target Classes:
- Agriculture
- Industries
- Rental
- Employment
- Wholesale
- Insurance
- Storage
- Restaurants
- Lumber
- Distributors
- Gas Stations
- Manufacturing
- Retail
- Transportation
- Publishing
- Trucking
- Warehousing
- Service
- Processing
- Hotels
Possible Enhancements:
- Third Party cover for most types of insured’s – prior acts and no
- class action exclusion
- Defense Costs Outside the Limits
- Broad definition of Employee which includes Independent Contractors.
- Spousal extension
- Automatic coverage given to an entity that is formed during the policy period.
- Full prior acts cover
- Bi-lateral Extended Reporting Period at very competitive prices for up to 3 years
- Third party coverage is offered to most Insured’s for no additional premium.
- No Strikes and Lockouts Exclusion
- No Downsizing exclusion
- No Intentional Acts exclusion.
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