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Is Your Small Business Vulnerable?

The financial impact of unlawful employment practices charges, such as those of discrimination, sexual harassment and wrongful termination, can be devastating for small business employers. That’s why it’s important for small business owners to take steps to protect themselves.

Employment Practices Liability Insurance (EPLI), along with training and risk management resources, can help.

The Celina Mutual Insurance Company offers affordable EPLI coverage for businesses with up to 50 employees. Policyholders also have access to resources designed to help reduce the risk for employment practices liability claims.

Prevent

As a policyholder, you’ll have access to risk management services specific to employment practices.

Legal Advice

A legal advice line provides access to specialized employment attorneys who can offer best practices and guidance on a broad range of employment-related inquiries.

Risk Management

A risk management website provides online access to a wide variety of employment policies and procedures designed to help protect policyholders from employment practices claims.

Online Training

Online training is available to help employers provide effective employee training to minimize potential claims.

Protect

Protects policyholders against allegations of:

  • Wrongful dismissal, discharge or termination.
  • Harassment or coercion.
  • Discrimination (including but not limited to discrimination based upon age, gender, race, national origin, religion, sexual orientation or preference, pregnancy or disability).
  • Wrongful failure to employ or promote.
  • Wrongful demotion or negligent employee evaluation.
  • Failure to provide or enforce adequate or consistent corporate policies and procedures relating to any wrongful employment act.

EPLI also provides third party liability coverage with respect to claims or suits made by customers, vendors or clients who do business with, but do not work for, the policyholder.

Annual Aggregate Limits of Liability

$50,000
$100,000
$250,000
$500,000*
$1,000,000*

(Defense costs are within these limits.)
*Requests for these limits must be referred to the company.

Deductible Options

$5,000
$10,000
$25,000
$50,000
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Potential claims against small businesses:

Religious Discrimination

Age Discrimination

Disability Discrimination

Retaliation

Harassment

Claims Made Against Employers1

Claims ReceivedCases SettledRecorded Monetary Benefits
Religious2,404144$6.1M
Age14,183981$76.3M
Retaliation37,6323,087$214.9M
Disability24,3242,201$109.8M
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The financial impact on small business employers can be high2

$27,000-$54,000

Average costs of a claim

$10,000

Average legal defense costs


Sources
1 EEOC 2020 Charge Statistics
2 Hartford Steam Boiler Inspection and Insurance Company Claims Data

Information in this brochure is only a summary of the provisions of the policy. Certain terms, exclusions, and limitations apply. For details, consult your policy or your independent Celina Insurance Group agent.

Coverage is underwritten by The Celina Mutual Insurance Company in IN, OH, TN and WV.

SA-382E (0223)