Employment-Related Practices Liability

Deadlines. Budgets. Keeping customers happy. There are plenty of decisions that go into running your business, and all you really want to do is focus on doing what you do best. So you play it smart and invest in insurance coverage to provide that much-needed peace of mind.

But with today's legal climate, lawsuits brought by past, present or future employees are yet another area of risk for your business. Sadly, with the increased frequency of these lawsuits comes the need for greater caution in how your business treats its employees.

That's why employment law is an area of which you need to be aware. It can be challenging to stay on top of the changing legal and regulatory landscape, but you can do something to lessen the effect of potential lawsuits and damaging verdicts.

It's yet another source of risk you'd rather not deal with, and fortunately you don't have to.

Iowa Mutual is here to help you safeguard against suits brought by past, present or future employees. Our enhanced Employment-Related Practices Liability Insurance (EPLI) provides the protection your business needs against lawsuits stemming from employee-related matters such as:

• Wrongful demotion or failure to promote, negative evaluation, reassignment, discipline or wrongful refusal to employ.
• Employment-related misrepresentation.
• Wrongful termination.
• Wrongful denial of training, wrongful deprivation of career opportunity, or breach of employment contract.
• Negligent hiring or supervision.
• Retaliatory action against an employee because the employee has:

• Coercing an employee to commit an unlawful act or omission within the scope of that person's employment.
• Harassment.
• Libel, slander, invasion of privacy, defamation or humiliation.
• Verbal, physical, mental or emotional abuse arising from discrimination.

We include, automatically, $100,000 of our EPLI coverage for most of our commercial policyholders in the states of Iowa and Nebraska.* Highlights of the coverage include:

• Competitively priced premium based on number of employees and type of business.
• Claims made coverage.
• Punitive damages included where lawful.
• Coverage for third-party claims available.
• Limits of $300,000 available for an additional premium.
• A $5,000 deductible will apply to each claim including defense costs – optional deductibles are available.
• No application is needed.
• You can choose to opt-out by notifying your agent. Agents must request this opt-out for their clients in writing.

Employment law can be a confusing topic, and there have been many changes over the years. We're here to help with information to answer many of your employment practices questions.

Many of Iowa Mutual's commercial insurance policies are eligible for 24/7 access to our EPLI HELPLINE Support and Resource Center. Your username is your Iowa Mutual commercial policy number (AxxxxxxxMN, CCxxxxxxMN or CPxxxxxxMN).

Be sure to check with your independent Iowa Mutual agent to learn which options of our EPLI best suit your needs, or if our EPLI is right for you.

* Due to an Illinois state insurance code, EPLI cannot be automatically included. If you desire this coverage, please contact your Iowa Mutual insurance agent.

No coverage is provided by this Web site. This Web site only illustrates coverages offered under Iowa Mutual's Employment-Related Practices Liability Insurance Program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Iowa Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this Web site and the policy, the policy provisions shall prevail.