Franchise employers are a prime target for employment related litigation due to their association with a large brand name. Our EPL product is designed with the franchise business owner in mind. The policy form is designed for business operating under a franchise agreement and our free HR Pilot™ risk management service has been tailored with the franchise business model in mind and has the experience in providing HR advice specifically for franchisee operations.
Summary of Coverage
Employment practices liability insurance (EPLI) provides protection for an employer against claims made by employees, former employees or prospective employees alleging, among other things: harassment, discrimination, wrongful termination, retaliation, negligent evaluation, failure to employ or promote, wrongful discipline, depravation of career opportunity, negligent infliction of emotional distress, violations of FMLA, ADA, USERRA and other similar laws. Our affinity / franchise program is a key differentiator in the EPL marketplace. This program is designed for businesses operating under a franchise agreement and/or affinity groups with similar business operations and exposures.
Tokio Marine HCC's underwriters were among the first to develop an EPLI program. Our EPLI program offers broad policy coverage language for discrimination, harassment and inappropriate employment conduct, including hostile work environment, failure to hire or promote, wrongful demotion, negligent evaluation, deprivation of career opportunity, retaliation, wrongful discipline, libel, slander, defamation of character and invasion of privacy.
The EPLI staff at Tokio Marine HCC-Professional Lines Group is experienced and knowledgeable, enabling an innovative approach to working with brokers and meeting clients’ needs.
Additionally, our HR Pilot™ risk management services are available to all policyholders at no additional charge and include comprehensive services such as unlimited HR support, step-by-step procedures for common HR issues and employment law updates via e-mail.
