Employment Practices Liability Insurance
Your Business, Your Coverage
Running a business comes with a lot of moving parts, and managing employees is no small part of that. Employment Practices Liability Insurance (EPLI) is designed to protect you from claims brought by employees for illegal acts like discrimination, wrongful termination, and retaliation. In short, EPLI has your back when things go sideways.
What we cover
Whether it's a lawsuit from a current employee, a former one, or even a job applicant, EPLI covers the cost of defending your business, including judgments and settlements. Think of it as your safety net for all those employment-related bumps in the road.
Discrimination Claims
Protects your business against allegations of unfair treatment based on race, gender, age, religion, or other protected characteristics.
Wrongful Termination
Covers claims made by employees who believe they were unfairly let go.
Harassment
Provides protection if your business is accused of creating or allowing a hostile work environment, including sexual harassment claims.
Retaliation
Covers claims from employees who feel they were punished for reporting illegal activities or for participating in whistleblowing activities.
Failure to Promote
Protects your business if an employee alleges that they were unfairly passed over for a promotion.
Breach of Employment Contract
Provides coverage if an employee claims you failed to honor the terms of their employment agreement.
Why The Ford Agency
Don’t wait for trouble to come knocking. Reach out today and request a quote. We’ll help you find the right coverage that fits your business, big or small, and give you the peace of mind that comes with knowing you’re protected.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
