Call Us Today:
704.659.2141

Employment Practices Liability in Huntersville and Charlotte NC

An increasing area of concern for employer, employment practices involve issues with hiring, discrimination, benefits, harassment, wrongful termination and other employment related concerns.

 

Coverage for these types of claims are generally not covered, or are given as only token coverage on Business Owners policies. Your business also needs protection for Third-Party Employment Practices Liability Insurance.

 

In our increasingly litigious society, the threat of a lawsuit hangs over every business transaction, large or small. Even employers who adhere to the letter of the law at all times are likely be sued by an aggrieved employee or customer at some point. While many suits are groundless, defending against them is costly and time consuming.

 

If you carry Employment Practices Liability Insurance (EPLI), your business has a measure of protection against lawsuits from current, prospective or former employees who allege “wrongful acts” such as discrimination (age, sex, race, disability, etc.), sexual harassment or wrongful termination. But what happens if a customer sues you for discrimination? Are you protected?

The Importance of Third-Party EPLI

Many employers do not realize—until it is too late—that they have a gap in their insurance coverage that leaves them vulnerable to discrimination and harassment lawsuits from customers, clients, vendors and suppliers. Standard EPLI policies only provide coverage for lawsuits brought about by employees or prospective employees, and most commercial general liability (CGL) policies specifically exclude coverage for harassment and discrimination. That’s where third-party EPLI comes in.

 

Third-party EPLI fills this gap between EPLI and CGL, and offers protection against allegations of wrongful acts made by customers, clients, vendors and suppliers. In general, covered claims include the following:

  • Discrimination, based on:
    • Race
    • Religion
    • Sex
    • Age
    • National origin
    • Disability
    • Pregnancy
    • Sexual orientation
  • Harassment
  • Unwanted sexual advances
  • Unwanted requests for sexual favors
  • Other verbal or physical actions that create a hostile or offensive work environment

Third-party EPLI is vital for businesses that deal with customers on a daily basis, but even if your firm doesn’t have a lot of interaction with the general public, you may still benefit from third-party EPLI coverage if your operations involve clients, suppliers or vendors. To learn more about third-party EPLI coverage, request a free quote.

 

We provide employment practices liability insurance to business owners near Huntersville, Charlotte, Concord, Mooresville, Cornelius, and Lake Norman.

Our Location

Summit Insurance Group

108 N. Statesville Rd.
P.O. Box 2485
Huntersville, NC 28070
Main office: 704-659-2141
Toll free: 888-745-4634

Our Providers

Testimonials

I went over everything with my husband and he wanted me to thank all of you there for such great communication and care getting us set up. Our frustration with XXXX (carrier named) had reached somewhat of a volatile state. We look forward to a great relationship with Summit and all concerned. Have a great rest of your week.
Carolyn, Office Manager KCG Solutions
I've had Erie for a fair amount of time; however, I don't stay because of their policy offerings or pricing, I much like my parents whom have been with Erie for 25 or 30 years, stay because people like you are always ready to jump in and get things done. No matter the outcome, I very much appreciate your continuous effort.
Jared F.
I love this new insurance group. Excellent customer service! I’m glad we moved our business to Summit.
Randy
I am glad I was able to get a hold of you so easily using your webpage.
John N.
Thank you very much for your prompt attention to this and more importantly, getting it done!!! I should have called you sooner.
Jon T.
Thank you so much for your help in this matter. You are always so kind and very helpful!
Heather R.
You were wonderful to work with and I really appreciate the quick response to my request.
Charles L.
I am certainly glad that I made the switch to Summit Insurance and am especially happy that you are my agent.
Doug M.
You always do a great job, and I appreciate it.
James N.
There are no easy choices below; which at least tells me we have a great policy. I credit that to you, so thanks for all your diligence in helping us to put these together originally!
Andrew K.
It is great to have someone help you with such quality and kindness.
Nellie R.
I keep my personal lines insurance at Summit because of Fiona's thorough and meticulous care of my policies. She's quick with responses and always with the utmost care! She dots all her I's and crosses all her T's. I never worry that she leaves any stones unturned. She's completely objective and professional when it comes to her work. I truly appreciate that. Your office has an eye for hiring the best agents and Fiona certainly stands out above all. I just wanted to give credit where credit is due and thank you for all the professional services that your office has provided.
Vada P.
As a 4 time winner, for all 4 years we’ve been in the market keep doing what you’re doing!!! Obviously your clients appreciate you.
Five Star Professional
April , Thank you so much for your help these past two weeks. Getting the Mustangs onto a collector car type of policy like Hagerty offers has been on my to-do list for a number of years. Fortunately I haven't had to make a claim in that time...but unfortunately I've been missing out on the savings. Nevertheless as soon as I mentioned the idea to you and you told me you underwrite for Hagerty I was very interested in pursuing it. You made the transition seamless and provided significant savings while improving the coverage on my beloved Mustangs. I very much appreciate your assistance!!
Troy R.
Quick note to say thanks for your assistance on dealing with my recent car repair – the adjuster – all that. You were very helpful, responsive and couldn't have done it without you. Thanks so much!
Mary J.