Why small business owners need employment practices liability coverage:

• Statistics show an employer is more likely to have an employment claim than a property or general liability claim
• Well over 15,000 claims are filed each year based on sexual harassment
• Juries have doubled the awards for employment claims
• 10% of awards in cases involving discrimination and wrongful termination are in excess of $1,000,000
• In approximately 15 percent of all employment practices liability cases awards total more than $1,000,000
• The average award in litigated employment practices liability cases exceeds $250,000
• EEOC (Equal Employment Opportunity Commission) complaints have almost doubled since 1991
• Lawsuits have increased two-fold since 1980
• 1 out of every 5 lawsuits filed against employers are employment related

So are you prepared to defend yourself against an employment practices law suit? All Total HR client companies who enter into a co-employment arrangement are covered under our Employment Practices Liability Insurance plan (up to $1,000,000 per occurrence). This program is in place should there be an employment related law suit brought against your company and Total HR. As co-employers we share employment liability and this insurance is in place to protect both us and our client companies.