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Capital Insurance expands employment practices liability coverage

Capital Insurance Group (CIG) has rolled out its comprehensive employment practices liability insurance (EPLI) option to include business owner policies (BOP).

The insurer said that the expanded policy option provides protection for organizations with up to 250 employees with a limit of $1m, while companies with 50 employees or less are covered up to $250,000 and are not required to submit an application.

Additionally, CIG EPLI offers complementary resources, including "best practices" information, a legal advice hotline and optional third party coverage.

CIG commercial lines director Ken Stewart said that the company is pleased to extend this potentially business-saving coverage to its business owner policies.

"Our EPLI provides broad coverage and helpful loss prevention information. If a claim or allegation arises, we offer full prior acts protection and the added enhancement of legal counsel for our clients," Stewart added.

Under the new offering, an employer is protected against claims made by existing, former or prospective employees and covers a wide span of employment-related allegations.

The company said that the CIG product also delivers full prior acts protection for liability and defense costs arising from employee lawsuits alleging wrongful termination, disciplinary actions, negligent evaluations, harassment, sexual, slander and/or libel, emotional distress or stress, among others.

Coverage for BOP and for the existing Commercial Package policies under EPLI are now available in Arizona, California, Nevada, Oregon, and Washington.