Sure, Business Owners Need Employment Practices Liability Insurance!

If you are in the business world, you surely realize some of the general liability risks. Experience may have also taught you how important it is to acquire a good employment practices liability policy.

From the insurance companies’ perspective, the claims underscore the need for a commercial policy that incorporates wrongful termination, third party liability, internet/email, spouse liability and retaliation coverage.

Examples that could happen to any business – including yours!

• An employee was gratified to take advantage of the Family Medical Leave Act that allowed her to temporarily leave her position following the birth of her second child for the important bonding period. To her complete surprise, the company manager fired her after only a month of resuming her duties. The reason he cited was just as baffling: unsatisfactory work performance. The employee decided this was a clear case of wrongful termination as there had previously been no complaints about the issue.

• A blind patron entered a small grocery together with his seeing-eye dog. Fearing a health risk, the store manager immediately approached the customer and advised him to leave the dog outside the front door. Infuriated at the insensitivity displayed by the management, the blind man sued for violation of the Federal Americans with Disabilities Act.

• When an employee of the company decided to send an ill-worded email to one co-worker, he did not realize what he would get into as a result of a simple press of a button. Instead of the intended recipient, his message had erroneously been sent to every single worker at the firm. Upon receiving the offensive email and discovering that it had in fact been sent to all, the boss demanded that the employee immediately compose an apology to be sent to the entire company workforce. Not long afterwards, the company began downsizing its staff and included the worker who had sent the email in the layoffs. The worker was infuriated and filed a hostile work environment lawsuit in regard to the email incident that had preceded his loss of job.

• After an employee warned her boss of her intent to bring a sexual harassment suit against him, the man took precautions by transferring monies to his wife’s account. The employee cleverly sued both the company owner and his wife because of her suspicion in regard to the joint wealth.

• An African American was very annoyed at the manner in which he was being treated by his co-workers so he complained to his boss. The boss took care of the racial slurring by transferring the man to another work area. The African American worker’s problems then took a shift because now he was working alone at a lesser pay rate. The employee took the matter in his own hands by filing a discrimination lawsuit that included retaliation for complaining about the discrimination.