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Employment Liability Protector® for Small Businesses

Employment Liability Protector® is affordable broad employment practices liability protection for companies with 250 or less employees.  Employment Liability Protector offers small businesses coverage for a wide range of claims involving "Wrongful Employment Acts," including allegations of wrongful termination, harassment, discrimination, retaliation, employment-related misrepresentations(s), employment-related libel, slander, humiliation, defamation or invasion of privacy, failure to employ or promote and wrongful discipline.

Features and Benefits Back To Top
  • Protects the many individuals likely to be targeted in employment practices lawsuits such as directors, officers and a wide range of employees, including past and present employees, employment applicants and full-time, part-time, temporary and seasonal workers.
  • Covers liability for independent contractors and leased employees
  • Optional enhancements extend coverage to discrimination claims brought by third parities and for punitive, exemplary and multiple damages awards
  • Builds in the vital support of EPL Pak® Premier, a collection of loss prevention resources to help small businesses prevent employment practices claims.
 
Marketing Materials Back To Top

EPL Pak Premier Highlight Sheet (.pdf)
An overview of the EPL Pak Premier® services and the policies that it is built into automatically for small business.

Employment Liability Protector Highlight Sheet (.pdf)
An overview of the Employment Liability Protector for small business.

Claims Back To Top

When a claim occurs, our goal mirrors that of our customer: To resolve it as quickly and fairly as possible. To achieve this goal, AIG Small Business draws on AIG Companies' vast claims handling resources, including experienced claims specialists and the nation's premier defense attorneys, who have expertise managing even the most complex, sensitive claims and litigation.

To report an Employment Liability Protector® claim, download our claim reporting form and submit it via one of the following methods:

Mail: c-Claim for Financial Lines
        AIG Domestic Claims, Inc.
        175 Water Street, 9th Floor
        New York, NY 10038

Fax: 866-227-1750
Email: c-claim@aig.com

Claim Scenarios:

Racial Harassment Class Action Suit
A Chicago-based paint manufacturer with fewer than 200 employees settled a racial harassment class action brought by the EEOC on behalf of African American employees for $1.8 million.

Longtime Employee Sues Company
A small New England service company settled an age and race discrimination lawsuit brought by a longtime employee for $235,000, plus incurred $125,000 in defense costs.

Packing Company Faces Sexual Harassment Class Action Suit
A Minneapolis packing company with 235 workers settles a sexual harassment class action brought by the EEOC on behalf of male employees for $1.9 million.

EEOC Racial Harassment Suit
A Texas-based company specialized in coating equipment and application settled a racial harassment suit brought be the EEOC on behalf of one African American employee for more than $1 million.

Former Employees Sue Security Company
A jury in Florida district court returned a $1.34 million verdict against a security company in a a sexual harassment and retaliation lawsuit brought by the EEOC on behalf of 4 former employees.

Applications and Forms Back To Top

Employment Liability Protector Application (.pdf)
Primary application form for the Employment Liability Protector.