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.
SPECIALTY INSURANCE
What is Specialty Insurance?
If you own one of the following items, you may want to consider purchasing an additional specialty insurance policy to cover any accidents, theft, or damage.
- High performance or collector vehicles
- ATV- Motorcycle
- Boat
- Recreational Vehicle
- High Value Home
- High Value Renters
- Collectables and collections
- Jewelry
Motorcycle or ATV
Motorcycle insurance, like ATV insurance, is separate from traditional car insurance. It will reimburse you for expenses related to accidents, injuries, and lawsuits and can also help you replace your motorcycle if it is damaged or stolen. Motorcyclists involved in an accident with a driver who has inadequate or no insurance will also receive financial support through their own insurance policy, which can save them a significant amount of money.
Boat Insurance
Boats typically require owners to maintain insurance policies. Boat insurance covers loss or damage of a variety of watercraft, including most motorboats (fishing boats, etc.) and pontoon boats, paddle boats, leisure crafts, and yachts. Typically it does not cover canoes, kayaks, and other small or personal watercraft. Boat insurance covers collisions, property, and bodily damage, and theft. Additional coverage can be purchased for medical payments, fishing equipment, and oil spills, among other options.
RV Insurance
RV insurance covers you from excessive financial loss in the event of an RV accident, including property and bodily damage to you or other motorists. RV insurance is a separate policy from car insurance. Additional coverage options can include campsite and vacation coverage and full-timer coverage if you plan to live in your RV as your full-time residence for a period of time. Without this type of insurance, you can be faced with extensive financial burdens to repair or replace your RV while traveling.
High Value Home or Renters Insurance
High-value home insurance is one of the most comprehensive types of insurance available and is tailored to provide coverage for homes with special design elements and other features, homes that were designed by an architect or decorated by an interior designer, or homes that have historical significance.The same is true for high-value apartments or condos being rented. This type of insurance can also cover high-value art, rugs, jewelry, and other special items, like antiques, that are stored inside the house. High-value home insurance can be beneficial even for homes that are modest but older or historic so contact us to see if your home is eligible.
