As an employer, your exposures to legal action from employees have increased enormously over the last ten years. Federal and state laws protect the rights of employees above that of the employer. Most claimants file these lawsuits if they feel that they were wronged by their employer for any of these possible allegations:

• Wrongful Termination
• Sexual or Workplace Harassment
• Wrongful Discipline
• Age Descrimination
• Violation of Employment Discrimination Laws
• Violation of Americans with Disabilities Act
• Wrongful Failure to Employ or Promote
• Wrongful Deprivation of a Career Opportuinity
• Breach of Employment Contract
• Employment Related Misrepresentation
• Failure to Adopt Adequate Workplace Employment Policies & Procedures
• Illegal Retaliatory Treatment
• Invasion of Privacy
• Negligent Evaluation
• Employment Related Wrongful Infliction of Emotional Distress

The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having theis policy are:

overage for front/back pay, attorney's fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retentions for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion.*

*Coverages vary from company to company