Why you need Employment Practices Liability Insurance (EPL):

• A private company is more likely to have an Employment Practices claim than a General Liability or Property claim
• Almost 75% of all litigation against corporations involves employment disputes
• Sixty-five percent of employers who have fired an employee have been hit with a lawsuit
• The average cost to defend an EPL claim is $150,000 and the median award is $250,000
• Ten percent of all wrongful termination and discrimination claim awards are in excess of $1 million

Why United States Liability Insurance Group has the protection you need:

The following are important coverages we offer in our EPLI policy. Make sure you have all of these features:

Coverage Features	Our Group	Competitor's Policy
Voted #1 EPL product in a nationwide survey of agents and brokers
Defense Outside the Limit of Liability included within the form for no additional premium (if a $500k or higher limit is chosen). Your limit will not be eroded by defense costs
Duty to Defend form
Full Prior Acts Available
Wrongful Act definition has 12 named perils including claims arising from Internet and E-mail usage
No intentional acts exclusion
Policy is non-cancellable except for nonpayment of premium
Free Employment Practices Consultation Helpline (Unlimited calls and no time limits)
Online sexual harassment prevention training through PeopleSystems at a 50% discount (satisfies state mandated training including CA, CT and ME)
A.M. Best rated A++ carrier

Why Choose to be insured with United States Liability Insurace Group?

• One of only 20 A++ rated insurance groups in the United States by A.M. Best.
• A proud member of the Berkshire Hathaway Group, recently voted the #1 most admired Property & Casualty Company in the world (Fortune Magazine 2004).

Insure your financial well-being with a stable Company that will be there to pay your claim.

One of the trends that most business owners ask me about is the issue of credit cards. In my experience, it is one of the risk exposure areas that doesn't get enough discussion. The issue of credit cards includes employee theft and employee dishonesty. If your business or company handles credit card transactions when customers purchase products or services, there lies a new risk for your business or company. What if your employees use the credit card of your customers? What if the customer alleges fraudulent use of their credit card against you and your employees?

We can deal with that risk through the purchase of a crime/employee dishonesty policy. Roughly for a $100,000 limit of coverage and a $2,500 deductible, we can secure a crime policy between $600 to $800 a year. This covers employee theft of money, tools, company checks, credit card information, computer crime, etc. Contact me for more details. Employee dishonesty policy just compliments a balanced insurance portfolio.