요즘들어 점점 직원들이 회사를 상대로 소송을 하는 경우가 늘어나고 있습니다. 인터뷰를 보러온 candidate들로부터 시작하여, 현 직원 및 이미 그만둔 직원으로까지 회사는 다양하게 Liability에 노출되어 있습니다.이러한 경우를 대비하여, 회사는 EPL보험을 들어놓는것이 안전합니다.즉, Sexual Harassment 건으로 직원이 회사를 상대로 소송을 한 경우, 회사는 이 보험을 적용받을 수 있습니다. 기타 다양한 경우가 적용받습니다. 자세한 내용은 보험 agent를 컨택하셔서 필요한 정보 받으시기 바랍니다.또한 Directors and Officers들을 특별히 보호하고자 많은 회사들이 D&O Insurance도 함께 들고 있습니다. 왜냐하면, 소송건이 회사뿐 아니라 해당 매니져나 임원들을 상대로도 함께 진행될 수 있기 때문입니다. 이 경우, 회사는 EPLI로 커버가 되지만, 개인은 커버를 받지 못하기 때문에 개인적으로 지워지는 Libility에 대하여는 별도로 회사에서 보호를 해 주는 보험입니다.왜냐하면, 매니져들이 소송 당시 회사를 대표하는 책임이 지워질수 있기 때문입니다. ( Vicarious Liability 참조).Employers face a growing multitude of serious employment practices liability (EPL) exposures |
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It’s no longer off the radar screen. It’s front page material. More and more companies are finding out the hard way just how complex the employment relationship has become. Employers face a growing multitude of serious employment practices liability (EPL) exposures in their day-to-day interactions with employees. Companies and their managers are subject to a widening collection of federal, state, and local employment laws, such as the Americans with Disabilities Act, the Civil Rights Act of 1991, the Age Discrimination in Employment Act, and Title VII of the Civil Rights Act of 1964, just to name a few. The Equal Employment Opportunity Commission (EEOC) is taking a much more aggressive stance in investigating EPL claims and filing lawsuits for sexual harassment, women being discriminated in the workplace, wrongful termination, retaliatory treatment, unfair hiring practices, and other types of workplace torts. The average number of charges filed with the EEOC from 1996 to 1999 was nearly 80,000 annually. Monetary awards increased 275% between 1994 and 1999, when the total amount awarded topped $100 million. The average verdict in EPL cases now exceeds $450,000, and employment issues now make up 30% of all civil litigation in the U.S. Court cases of discrimination in the workplace and age discrimination court cases are on the rise. The truth is, the courts have decided, the employee is almost always right. According to the Department of Labor, employees and other plaintiffs won 41% of all jury trials and 26% of all non-jury trials in 1999, and punitive damages were assessed in 19% of all cases. Repercussions of these lawsuits can be felt well beyond their initial devastating and distracting impact, because one large uninsured employment practices claim can lead to shareholder lawsuits. Discrimination lawsuit settlements and cases of wrongful termination have had a dramatic affect on the bottom line of small and large businesses in the United States. There’s no question that EPL claims can have a serious financial impact on small to mid-sized companies. To help protect private companies and their employees, InsureCast offers Employment Practices Liability Insurance coverage. |
