Restaurant EPLI Program

The Risk is Real

Many restaurant owners and managers don't really understand what employment practices liability (EPL) is and the broad range of exposures it encompasses. Gender, race and age discrimination. Harassment of all sorts. Wrongful termination. Disability rights. Retaliation. The list goes on.

Consider the Facts

The Equal Employment Opportunity Commission (EEOC) recorded nearly 100,000 charges in 2010 – a record high and a 7% increase from 2009
The EEOC reported significant increases in Americans with Disability Act (ADA) and Genetic Information Nondiscrimination Act (GINA) charges
For the first time ever, retaliation charges were the most frequently filed charge in 2010 with charges increasing 68% between 2000 and 2010
The average cost of an EEOC lawsuit in 2010 exceeded $270,000

Restaurant Program Eligibility

Our EPL insurance is available for a wide variety of restaurants including full-service and fast food restaurants, cafeterias, food service contractors and vendors. We insure small to midsize clients – those with five or more employees.

EPL Policy Enhancements for Restaurants

$100,00 sublimit for defamation, libel and invasion of privacy against a third party resulting from the use of social media; workplace bullying and social media denied; expanded definition of wrongful acts to include workplace bullying
Third party liability coverage for claims brought by customers for discrimination (including cost of defense for Americans with Disability ACT (ADA) and public accommodation claims) and/or harassment
$100,000 sublimit for franchisor if named in a claim along with the named insured (franchisee)

A+ Rated Insurance Carriers

Carrier I, Carrier II, Carrier III – e.g. Carrier I (Nonadmitted) - A.M. Best rated A+ (Superior)

Coverage Questions
* Company Name
* Contact Name
* Email
* Phone
Broker Name
Broker Email
* Company Address
Company URL
1) What is the Insured Entity's Standard Industry Classification (SIC) Code?
2) Describe the Insured Entity's nature of operations: (please describe in 25 words or less)
3) Number of Employees for the Insured Entity:
a) Full-Time:
b) Part-Time:
c) Seasonal:
d) Temporary:
e) Volunteers:
f) Leased:
g) Independent Contractors:
4) What is the Insured Entity's annual Employee turnover rate for the last 12 months? (leave field blank if value unknown)
5) Is the Named Insured or any Subsidiary publicly held or a public reporting company under the Securities Exchange Act of 1934?
6) Is the Insured Entity currently in bankruptcy?
7) Within the next 12 months, is the Insured Entity contemplating filing a petition for protection under the bankruptcy code?
8) During the last 5 years, has any current or former Employee or third party made any Claim, or otherwise alleged discrimination, harassment, wrongful discharge and/or Wrongful Acts against any Insured or been involved in any lawsuit, charges, inquiries, investigations, grievances or other administrative hearings or proceedings before any agency including both domestic or foreign equivalents?
9) Is any Insured aware of any fact, circumstance or situation involving any Insureds that might reasonably be expected to result in a Claim, including, but not limited to, situations involving:
a) Threats by any current or former Employee or third party to take legal or other action against any Insured, or a demand or request by any current or former Employee for monetary or non-monetary relief, arising out of any alleged discrimination, harassment, wrongful termination, constructive discharge, or other Wrongful Acts?
b) Knowledge that any current or former Employee is engaging in, or has engaged in, acts of discrimination, harassment, or other Wrongful Acts?
c) Complaints or accusations by other Employees or third parties that a current or former Employee is engaging in, or has engaged in, acts of discrimination, harassment, or other Wrongful Acts?
d) Warnings, reprimands, or other discriplinary measures taken against any current or former Employee for acts of discrimination, harassment, or other Wrongful Acts?
Claim Questions (required if Question 8 answered Yes)
Claim Type
Claim Year
Claim Status
Damages
Expenses

Claim #2 (if you have more than 1 claim)
Claim Type
Claim Year
Claim Status
Damages
Expenses

Enter the words:

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877-731-7905

800-234-6787

The Risk is Real

Consider the Facts

Restaurant Program Eligibility

EPL Policy Enhancements for Restaurants

A+ Rated Insurance Carriers

Coverage Questions

Claim Questions (required if Question 8 answered Yes)

Claim #2 (if you have more than 1 claim)