EMPLOYMENT PRACTICES LIABILITY:

Covers lawsuits brought by employees (past, present or prospects), or governmental entities against the insured employer, alleging wrongful discharge, discrimination or certain types of harassment. ISO has developed an employment practices liability policy that can now be used as a standard of comparison. Companies have developed their own forms and they vary tremendously. Using the ISO standard should help agents advise insured's on the best direction to take.

Associations have experienced many claims of harassment. It is often difficult to draw the line between innocent fun and malicious abuse. This coverage is important along with regular procedures and processes to help everyone understand what can and cannot be allowed.