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HAPPY CUSTOMERS

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service. —Brian B.
A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help! —Doof R.

What is Employment Practices Liability Insurance?

Also known as EPL or EPLI, Employment practices liability insurance is a form of liability insurance that covers you and your business if your employee or former employee files a claim that alleges discrimination (based on sex, race, age, or disability), wrongful termination, gender bias, or sexual harassment.

From the moment you interview a prospective employee, you’re are at risk of an employment discrimination claim. If you choose not to hire that specific person, that individual could allege some sort of discrimination.

Even if your company is not at fault, defending a discrimination or wrongful termination claim can be expensive. Your company can suffer financial loss despite the claim being fraudulent or groundless, and the potential risk for large monetary damages in an employment claim can threaten your company’s financial security. Employment practices liability insurance can help cover those losses as well.

winery workers

Who Needs Employment Practices Liability Insurance?

Small or new businesses are typically the most vulnerable to these types of claims because they typically lack a sufficient legal department or employee handbook that details the policies and procedures that guide hiring, disciplining, or terminating employees.

Larger corporations are typically prepared to deal with just about any employment lawsuit.

What Does an Employment Practices Liability Insurance Policy Typically Cover?

Employment practices liability insurance protects you and your company against losses from claims of discrimination (based on sex, race, age, or disability), wrongful termination, gender bias, or sexual harassment.

Employment practices liability insurance usually reimburses you company against the costs of defending a lawsuit in court and for judgements and settlements. The policy also covers legal costs, whether your company wins or loses the suit.

PROCESS

1

Work with an Expert Who Knows Your Industry

2

Get Quotes from the Country’s Top-Rated Insurance Companies

3

Select Your Quote

Work with an Expert Who Knows Your Industry

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right employment practices liability insurance policy for your small business. We connect you to an industry specialist, which means you’ll talk to someone who spends their whole day helping organizations like yours.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need as a 21st-century business owner, paired with service so friendly and helpful it feels like a throwback.

Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage for the work you do.

Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need employment practices liability insurance, business owners insurance, errors and omissions insurance, business income insurance, or business umbrella insurance to comply with state laws, you can find it here.

We’ve already helped hundreds of organizations protect their community. Discover why they consistently rate us 4.9 out of 5 stars.

Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your business safe.

TYPES OF INSURANCE YOU MAY NEED

Business Liability Insurance

A business liability policy works to protect your small business from risks such as accidents, natural disasters, property damage, theft and loss of income.

Business Interruption Insurance

This vital coverage replaces your loss of profits if you must suspend operations due to direct physical loss to your premises.

Business Umbrella Insurance

Business umbrella liability insurance provides added coverage, above and beyond other forms of business liability coverage. It can help cover the expense of a lawsuit with costly legal fees and settlements—vital in a state that has no cap on lawsuit settlement payouts.

Errors and Omissions Insurance (E&O)

A form of liability protection that goes beyond the coverage offered by business liability insurance. E&O coverage can protect your business in the event that a client sues you for professional negligence.

GRAB-N-GO INFORMATION

Top 5 Reasons an Employee Files a Claim Against a Company

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract
  • Negligent evaluation

Real Talk About Employment Practices Liability Insurance

Visit our blog for the latest news about managing business risks.

Sample Certificate

A sample Certificate of Insurance is available upon request.

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Contact Us. Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST