Employment Practices Liability Insurance Baltimore

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Employment Practices Liability Insurance
For Contractors in Baltimore MD

Baltimore MD Contractors Employment Practices Liability Insurance

General Liability Won't Protect With These Types of Claims

As a Baltimore contractor, if you have employees and don't strongly consider Employment Practices Liability you may be making a mistake of epic proportion.

Employment practices covers claims like wrongful discharge, wrongful firing, failure to promote, sexual harassment, slander, invasion of privacy as well as others..

As the economy goes through a downturn, many Baltimore Maryland contractors have been forced to downsize. If an employee decides they were "wrongfully terminated" and pursue legal action against you, you have to defend it whether or not it has any merit.

The scary parts of this are that these claims are exceedingly expensive to defend, and the plaintiffs win an alarming amount of the time. As a business owner in a down economy this is not good news.

When I say bad news it is epic bad news:

The average plaintiff's verdict in employment practices lawsuits exceeds $250,000
15% of all verdicts are in excess of $1 million

And, even when a contractor is able to successfully defend a claim, the cost to defend generally exceeds $50,000.

Here is a partial list of torts which have been paid under Employment Practices Liability which would not have been paid under your Contractors General Liability Policy.

Constructive Discharge
Defamation, libel, or slander
Infliction of emotional distress or mental anguish
Invasion of Privacy
Wrongful discipline
Humiliation
Wrongful demotion
Negligent/wrongful evaluation
Failure to enforce company policies and procedures
Negligent retention
Negligent training
Failure to grant partnership
Defamatory statements in connection with an employee reference
Negligent supervision
Negligent hiring
Coercion
Failure to grant tenure
Wrongful deprivation of a career opportunity
Employment-related misrepresentation
Wrongful failure to employ or promote

Most insurance companies do not include this coverage as part of their Contractors General Liability policy for the aforementioned reasons. While some are starting to provide some coverage, normally you will find greater coverage under a separate Employment Practices Liability Insurance Policy.

As a contractor, you may not like the idea of having to pay for this coverage. Even less will you like having to defend one of these claims on your own.

Unique Risk Exposure Baltimore Contractors
Face With Employment Practices Liability

Contractor's business is vastly different than other business models. This difference creates unique exposures due to contractors frequent use of temporary and/or seasonal workers and their workplace environment.

The main exposures associated with temporary or seasonal workers are verbal, sexual, and physical harassment. Age and sex discrimination are other sources of claims the contractor faces in this area.

Second, the workplace environment at a construction site is vastly different than an office or retail store atmosphere. Often, there is little centralized control or managerial oversight at a typical job site and often times there is a more lax attitude. Additionally, many supervisors and managers may not be as aware or sensitive concerning activities that could well produce allegations.

This is a huge problem, and one that is getting bigger not smaller, and the worse the economy is the more these claims are going to be presented.

Call us at (888) 553-0021 or contact us for answers to your Baltimore MD Employment Practices Liability Insurance questions.

Baltimore Contractors Insurance offered for virtually all MD contractors
Baltimore County MD	Fork MD	Lutherville MD	Rosedale MD
	Fort Howard MD	Maryland Line MD	Rossville MD
Arbutus MD	Garrison MD	Mays Chapel MD	Ruxton MD
Baldwin MD	Germantown MD	Middle River MD	Sparks MD
Baltimore MD	Glen Arm MD	Milford Mill MD	Sparrows Point MD
Baltimore Highlands MD	Glencoe MD	Monkton MD	Stevenson MD
Boring MD	Glyndon MD	Nottingham MD	Timonium MD
Bowleys Quarters MD	Halethorpe MD	Oella MD	Towson MD
Brooklandville MD	Hampton MD	Overlea MD	Turners Station MD
Butler MD	Hereford MD	Owings Mills MD	Upper Falls MD
Carney MD	Hunt Valley MD	Parkton MD	Upperco MD
Catonsville MD	Hydes MD	Parkville MD	White Hall MD
Chase MD	Jacksonville MD	Perry Hall MD	White Marsh MD
Cockeysville MD	Kingsville MD	Phoenix MD	Woodlawn MD
Dundalk MD	Lansdowne MD	Pikesville MD
Edgemere MD	Lochearn MD	Randallstown MD
Essex MD	Long Green MD	Reisterstown MD

Contact Name
Company
Address
City
County
Zip
Email
Phone	- -
Fax	- -
Classification	(i.e. "electrician", "general contractor", etc.)

Tell Us About Your Operations

# Active Owners
# Full-time Field Employees
Contractor License #
# Part-time Field Employees
Work on New Tracts?	Yes No
Work on New Condos, Townhomes, or Apartments?	Yes No

Work Percentage
(Must Equal 100%)

New Commercial		Service & Repair
Residential		Miscellaneous Industrial
Remodel		New Custom Homes

Contractors Insurance Baltimore, General Liability Insurance Baltimore, Baltimore Contractor Insurance, Workers Comp Insurance Baltimore. Baltimore Liability Insurance.

General Liability Won't Protect With These Types of Claims

Unique Risk Exposure Baltimore Contractors Face With Employment Practices Liability

Unique Risk Exposure Baltimore Contractors
Face With Employment Practices Liability