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Employment Practices Liability Insurance (EPLI)

The number of employment related lawsuits is steadily increasing. Even companies with good HR policies and procedures in place can be sued. While your company may not have done anything wrong, the legal defense costs can be as very expensive.

These Claims can be made from allegations by employees or non-employees and can include:

• Age Discrimination
• Disability Discrimination
• Origin / Nationality Discrimination
• Harassment
• Retaliation

Protect your company with this critical coverage. The cost is small compared to the potential loss. Contact a professional consultant at The Heritage Agency.

Directors & Officers (D&O) and Errors & Omissions (E&O)

Directors and officers of an organization, profit or non-profit may be subject to lawsuits filed by investors or other parties who hold them responsible for the management decisions of the company. As is the case with many claims, the legal defense costs can be very high even if the lawsuits are dropped or settled outside of court.

D&O insurance works to limit the liability and protect the personal assets of each director or officer.

E&O or errors and omission insurance is different from D&O coverage. E&O covers the employees and company representatives as well as the company itself from unintentional errors committed or omitted.

Contact a trusted consultant at The Heritage Agency to further understand whether you need D&O or E&O insurance.