{"id":61462,"date":"2022-11-02T11:56:32","date_gmt":"2022-11-02T15:56:32","guid":{"rendered":"https:\/\/celinagroup.com\/staging\/?page_id=61462"},"modified":"2025-12-31T12:34:24","modified_gmt":"2025-12-31T17:34:24","slug":"epli","status":"publish","type":"page","link":"https:\/\/celinagroup.com\/staging\/epli\/","title":{"rendered":"EPLI"},"content":{"rendered":"\n
\"Two<\/div><\/div>
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EPLI<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n
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\"Man<\/figure>\n<\/div>\n\n\n\n
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Is Your Small Business Vulnerable?<\/h3>\n\n\n\n

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\u2019s why it\u2019s 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.<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n

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The Celina Mutual Insurance Company offers affordable EPLI coverage for businesses with up to 50 employees<\/strong>. Policyholders also have access to resources designed to help reduce the risk for employment practices liability claims.<\/p>\n<\/div>\n\n\n\n

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Prevent<\/h3>\n\n\n\n

As a policyholder, you\u2019ll have access to risk management services specific to employment practices.<\/p>\n\n\n\n

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<\/path><\/svg><\/span><\/p>\n<\/div>\n\n\n\n

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Legal Advice<\/h3>\n\n\n\n

A legal advice line provides access to specialized employment attorneys who can offer best practices and guidance<\/strong> on a broad range of employment-related inquiries.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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<\/path><\/svg><\/span><\/p>\n<\/div>\n\n\n\n

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Risk Management<\/h3>\n\n\n\n

A risk management website <\/strong>provides online access to a wide variety of employment policies and procedures designed to help protect policyholders from employment practices claims.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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<\/path><\/svg><\/span><\/p>\n<\/div>\n\n\n\n

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Online Training<\/h3>\n\n\n\n

Online training is available to help employers provide effective employee training to minimize potential claims.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Protect<\/h3>\n\n\n\n

Protects policyholders against allegations of:<\/p>\n\n\n\n

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

    EPLI also provides third party liability coverage<\/strong> with respect to claims or suits made by customers, vendors or clients who do business with, but do not work for, the policyholder.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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    Annual Aggregate Limits of Liability<\/h3>\n\n\n\n

    $50,000, $100,000, $250,000, $500,000*, $1,000,000*<\/p>\n<\/div>\n\n\n\n

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    Deductible Options<\/h3>\n\n\n\n

    $5,000, $10,000, $25,000, $50,000<\/p>\n<\/div>\n<\/div>\n\n\n\n

    (Defense costs are within these limits.)<\/em>
    *Requests for these limits must be referred to the company.<\/em><\/p>\n<\/div>\n\n\n\n

    \n
    \n
    \"A<\/figure>\n<\/div>\n\n\n\n
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    Potential claims against small businesses<\/h3>\n\n\n\n
    \n
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    <\/path><\/svg><\/span><\/p>\n\n\n\n

    Religious Discrimination<\/h4>\n<\/div>\n\n\n\n
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    <\/path><\/svg><\/span><\/p>\n\n\n\n

    Age Discrimination<\/h4>\n<\/div>\n\n\n\n
    \n

    <\/path><\/svg><\/span><\/p>\n\n\n\n

    Disability Discrimination<\/h4>\n<\/div>\n\n\n\n
    \n

    <\/path><\/svg><\/span><\/p>\n\n\n\n

    Retaliation<\/h4>\n<\/div>\n\n\n\n
    \n

    <\/path><\/svg><\/span><\/p>\n\n\n\n

    Harassment<\/h4>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n
    \n

    Claims Made Against Employers1<\/sup><\/h3>\n\n\n\n
    <\/th>Claims Received<\/th>Cases Settled<\/th>Recorded Monetary Benefits<\/th><\/tr><\/thead>
    Religious<\/td>2,404<\/td>144<\/td>$6.1M<\/td><\/tr>
    Age<\/td>14,183<\/td>981<\/td>$76.3M<\/td><\/tr>
    Retaliation<\/td>37,632<\/td>3,087<\/td>$214.9M<\/td><\/tr>
    Disability<\/td>24,324<\/td>2,201<\/td>$109.8M<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n
    \n
    \n
    \"Illustration<\/figure>\n<\/div>\n\n\n\n
    \n

    The financial impact on small business employers can be high2<\/sup><\/h3>\n\n\n\n

    Equine coverages are suited for a variety of horse exposures, from the homeowner with a single horse to the professional horse trainer, breeder or boarder.<\/p>\n\n\n\n

    \n
    \n

    $27,000-$54,000<\/h2>\n\n\n\n

    Average costs of a claim<\/p>\n<\/div>\n\n\n\n

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    $10,000<\/h2>\n\n\n\n

    Average legal defense costs<\/p>\n<\/div>\n<\/div>\n\n\n\n

    Sources<\/em>
    1<\/sup> EEOC 2020 Charge Statistics<\/em>
    2<\/sup> Hartford Steam Boiler Inspection and Insurance Company Claims Data<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n

    \n

    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.<\/em><\/p>\n\n\n\n

    Coverage is underwritten by The Celina Mutual Insurance Company in IN, OH, TN and WV.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    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\u2019s why it\u2019s important for small business owners to take steps to protect themselves. Employment Practices Liability Insurance (EPLI), along with training and risk management […]<\/p>\n","protected":false},"author":3,"featured_media":61874,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full.php","meta":{"footnotes":""},"class_list":["post-61462","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/pages\/61462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/comments?post=61462"}],"version-history":[{"count":41,"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/pages\/61462\/revisions"}],"predecessor-version":[{"id":844104,"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/pages\/61462\/revisions\/844104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/media\/61874"}],"wp:attachment":[{"href":"https:\/\/celinagroup.com\/staging\/wp-json\/wp\/v2\/media?parent=61462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}