{"id":3883,"date":"2022-11-17T19:22:46","date_gmt":"2022-11-17T19:22:46","guid":{"rendered":"http:\/\/18.116.89.38\/?page_id=3883"},"modified":"2022-11-17T19:25:24","modified_gmt":"2022-11-17T19:25:24","slug":"employment-practices-liability-insurance","status":"publish","type":"page","link":"https:\/\/dlrinsurancegroup.com\/es\/employment-practices-liability-insurance\/","title":{"rendered":"Employment Practices Liability Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3883\" class=\"elementor elementor-3883\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e0dea4f elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e0dea4f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-547a54b\" data-id=\"547a54b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f6750d elementor-widget elementor-widget-heading\" data-id=\"2f6750d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Protect Your Business with Employment Practices Liability Insurance <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c75d0fd elementor-widget elementor-widget-button\" data-id=\"c75d0fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Cont\u00e1ctenos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c1a7a10\" data-id=\"c1a7a10\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f7bcf7 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f7bcf7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-01030ec\" data-id=\"01030ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4c189b elementor-widget elementor-widget-heading\" data-id=\"b4c189b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">EPLI<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f574228 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f574228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abeab19 elementor-widget elementor-widget-text-editor\" data-id=\"abeab19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>EPLI stands for <strong>Employment Practices Liability Insurance<\/strong>. This type of policy covers a business in some of the following situations:<\/p><ul><li>Wrongful refusal to employ a qualified applicant<\/li><li>Wrongful failure to promote an individual<\/li><li>Wrongful demotion, evaluation, or discipline of an employee<\/li><li>Wrongful termination or constructive discharge of an employee<\/li><li>Harassment, coercion, or discrimination because of race, color, creed, origin, marital status, impairment, sexual orientation, pregnancy, or any other federal, state, or locally protected class<\/li><li>Oral or written material that violates or invades a right of privacy<\/li><\/ul><p>While this is not an exhaustive list, it provides a general idea of what EPLI covers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6f4b30a hrsi\" data-id=\"6f4b30a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b8d8dfe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8d8dfe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76d3b94\" data-id=\"76d3b94\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8205949 elementor-widget elementor-widget-image\" data-id=\"8205949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance6.jpg\" class=\"attachment-large size-large wp-image-3892\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance6.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance6-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance6-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-937cba4\" data-id=\"937cba4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c10b36c elementor-widget elementor-widget-image\" data-id=\"c10b36c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance5.jpg\" class=\"attachment-full size-full wp-image-3891\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance5.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance5-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance5-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4137435 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4137435\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2efe8c8\" data-id=\"2efe8c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88f3dfc elementor-widget elementor-widget-image\" data-id=\"88f3dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance2.jpg\" class=\"attachment-large size-large wp-image-3888\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance2.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance2-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance2-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c019a54\" data-id=\"c019a54\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ede444 elementor-widget elementor-widget-image\" data-id=\"0ede444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance4.jpg\" class=\"attachment-full size-full wp-image-3890\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance4.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance4-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance4-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c2d1f1a elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c2d1f1a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c8ac66\" data-id=\"7c8ac66\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a49b620 elementor-widget elementor-widget-heading\" data-id=\"a49b620\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions about Employment Practices Liability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1817598 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1817598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccf53d3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccf53d3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e3a1695 hrsi\" data-id=\"e3a1695\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3ed6f07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ed6f07\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3db1dbc\" data-id=\"3db1dbc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad7ff15 elementor-widget elementor-widget-image\" data-id=\"ad7ff15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance1.jpg\" class=\"attachment-large size-large wp-image-3886\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance1.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance1-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance1-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5318df8\" data-id=\"5318df8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65ec933 elementor-widget elementor-widget-image\" data-id=\"65ec933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance7.jpg\" class=\"attachment-full size-full wp-image-3893\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance7.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance7-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance7-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ffb8ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ffb8ed\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-605094b\" data-id=\"605094b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67abb0b elementor-widget elementor-widget-image\" data-id=\"67abb0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance8.jpg\" class=\"attachment-large size-large wp-image-3894\" alt=\"\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance8.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance8-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance8-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4914089\" data-id=\"4914089\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2de36c0 elementor-widget elementor-widget-image\" data-id=\"2de36c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"450\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance3.jpg\" class=\"attachment-full size-full wp-image-3889\" alt=\"employee benefit liability insurance\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance3.jpg 650w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance3-300x208.jpg 300w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2022\/11\/employee-benefit-insurance3-18x12.jpg 18w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-505aa18\" data-id=\"505aa18\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a853018 elementor-widget elementor-widget-text-editor\" data-id=\"a853018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Is this the same as Employee Benefit Liability coverage?<\/strong><\/p><p>No, this is a completely different type of coverage. It is similar in name only; these products address two different facets of insurance coverage. Employee Benefit Liability (EBL) covers the employer in the event of error or omission in an employee benefit program such as health, dental, or life insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e522555 elementor-widget elementor-widget-text-editor\" data-id=\"e522555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Doesn\u2019t my General Liability already cover this?<\/strong><\/p><p>No, there are specific exclusions in the general liability policy for these types of risks. Most of the time, this coverage can be added as a rider to the general liability policy for a nominal cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4724ed7 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4724ed7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d402a44\" data-id=\"d402a44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-60c504f elementor-widget elementor-widget-text-editor\" data-id=\"60c504f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Who is considered an \u201cemployee\u201d under Employment Practices Liability Insurance?<\/strong><\/p><p>A person employed by you (W-2), a current board member, or a temporary worker would all fall under this coverage. Independent contractors and leased workers are generally excluded. These types workers are generally excluded even from bringing a lawsuit because of their classification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e511e4a elementor-widget elementor-widget-text-editor\" data-id=\"e511e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Is EPLI tied into workers\u2019 compensation or unemployment benefits?<\/strong><\/p><p>No, there is no tie-in. Workers\u2019 compensation and unemployment benefits are valuable coverages, but are not related to EPLI. Workers\u2019 compensation and unemployment benefits are excluded from this coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53e3267 elementor-widget elementor-widget-text-editor\" data-id=\"53e3267\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>What else is excluded from this coverage?<\/strong><\/p><p>The following is not exhaustive!<\/p><ol><li>Dishonest, criminal, or fraudulent acts<\/li><li>Employment practices that occur after your company is placed in bankruptcy, receivership, liquidation, or reorganization<\/li><li>Any workers\u2019 compensation, disability benefits, or unemployment compensation claim<\/li><li>Exclusions relating to government oversight and labor laws<\/li><li>Cost of complying with Americans with Disabilities Act (ADA) of 1990<\/li><li>Lockout, strike, picket line, or labor disputes<\/li><li>Any class-action suit involving more than one franchisee of the same franchisor<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47464cd elementor-widget elementor-widget-text-editor\" data-id=\"47464cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Most EPLI policies use a \u201cclaims made\u201d insurance policy for this type of coverage. What does that mean?<\/strong><\/p><p>With this type of coverage, a few things can affect coverage. One is the retroactive date. Let\u2019s say you have a claims made policy in effect on January 2021 with a retroactive date of September of 2020 (when the policy started). If there is a claim in February 2022 for something that happened in January 2021, that claim would be covered. Anything that happens outside of those dates would be denied!<\/p><p>The second thing that can affect coverage is the extended reporting period. Because of the scenarios that can arise from the deficiencies from example, an extended reporting period may be needed. These can last for 30-60 days past the expiration, usually referred to as \u201ctail\u201d coverage. This is designed to cover claims that happen past the expiration.<\/p><p>To address claims that could arise for acts that occurred during a time before the policy was in effect, some companies offer \u201cprior acts\u201d coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-696374e elementor-widget elementor-widget-text-editor\" data-id=\"696374e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>How does EPLI pay for defense costs and jury awards?<\/strong><\/p><p>Most Employment Practices Liability Policies have defense and jury awards included in the same lump sum. In most other types of insurance policies, defense costs are separated from the liability in trial or arbitration costs. For example, an insurance company can run thousands of dollars for legal costs but may only pay a small amount in actual damages. Take, for example, an employer who is insured for $1,000,000 annually and has a judgement of $50,000. When their insurance pays out the $50,000, the policy would have $950,000 left for anything else that may happen during that year! If the legal costs are $400,000, it does not matter to the insurance company! The insurance company will pay the legal fees, and they will not count against your policy!<\/p><p>HOWEVER, with EPLI, the defense and award monies are usually combined. The remaining insurance benefit is lowered by both the defense costs and award verdicts. If the same scenario above were to happen, the overall limit would be lowered to $550,000 for the remainder of the year! VERY different type of scenario and coverage!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ced5c7f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ced5c7f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28dbf64\" data-id=\"28dbf64\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf8b4b1 elementor-widget elementor-widget-text-editor\" data-id=\"cf8b4b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAt DLR Insurance Group, Inc., we strive to protect your business. <br>Please call us to discuss this valuable coverage.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bde4729 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bde4729\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1caf511\" data-id=\"1caf511\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1055ee elementor-widget elementor-widget-image\" data-id=\"d1055ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2021\/10\/commercial-insurance-icon.png\" class=\"attachment-large size-large wp-image-2688\" alt=\"\" srcset=\"https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2021\/10\/commercial-insurance-icon.png 250w, https:\/\/dlrinsurancegroup.com\/wp-content\/uploads\/2021\/10\/commercial-insurance-icon-150x150.png 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6103ed4\" data-id=\"6103ed4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8d1400 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8d1400\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23288c0\" data-id=\"23288c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a7519a elementor-widget elementor-widget-heading\" data-id=\"1a7519a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfBusca el mejor seguro en Florida? Descubra en qu\u00e9 se diferencia DLR. Tenga una conversaci\u00f3n con un experto que se tomar\u00e1 el tiempo para averiguar exactamente lo que necesita. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90c907d elementor-widget elementor-widget-heading\" data-id=\"90c907d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:(941)%20361-1532\">Ll\u00e1manos hoy al (941) 361-1532<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d153df5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d153df5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Protect Your Business with Employment Practices Liability Insurance Contact Us EPLI EPLI stands for Employment Practices Liability Insurance. This type of policy covers a business in some of the following situations: Wrongful refusal to employ a qualified applicant Wrongful failure to promote an individual Wrongful demotion, evaluation, or discipline of an employee Wrongful termination or [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3883","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/pages\/3883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/comments?post=3883"}],"version-history":[{"count":5,"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/pages\/3883\/revisions"}],"predecessor-version":[{"id":3898,"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/pages\/3883\/revisions\/3898"}],"wp:attachment":[{"href":"https:\/\/dlrinsurancegroup.com\/es\/wp-json\/wp\/v2\/media?parent=3883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}