Employment Practices Liability Coverage Scorecard

The AVMA Trust has developed a scorecard and quiz to help practice owners vet their existing EPL policy or evaluate new coverage. Use this tool to discover whether your practice is adequately protected against allegations of discrimination, harassment, and/or wrongful termination.

Question Title

* 1. Please provide your contact information.

Name

Company

Email Address

Phone Number

Question Title

* 2. Do you have protection against allegations of pregnancy discrimination, racial discrimination, religious discrimination, age discrimination, or disability discrimination from current, former, or prospective employees?

Yes

Unsure

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* 3. Do you have coverage if individuals allege that they were subjected to sexual harassment in the practice?

Yes

Unsure

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* 4. Do you have coverage for claims alleging discrimination or harassment brought by a third party against the practice or its employees?

Yes

Unsure

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* 5. Does your current policy respond to allegations from an employee claiming he or she could no longer tolerate the work environment and was compelled to resign or retire?

Yes

Unsure

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* 6. Does your current policy have a duty to defend clause? Which is a required duty by the insurance company to defend you against covered allegations (this coverage transfers your risk and the legal fees to the insurance company)

Yes

Unsure

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* 7. Does your current coverage have an endorsement providing coverage for fees and expenses incurred in connection with the Workplace Violence Act?

Yes

Unsure

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* 8. Does your current coverage have an endorsement covering defense costs for covered immigration claims arising out of an actual or alleged violation of the Federal Immigration and Nationality Act?

Yes

Unsure

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* 9. Does your current coverage have an endorsement providing reimbursement for expenses related to a crisis event resulting from a wrongful employment practice?

Yes

Unsure

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* 10. Does your current coverage have an endorsement covering costs for diversity sensitivity training if the practice is obligated to conduct such training by reason of judgment, settlement, or an alternative dispute resolution process, following a claim against the employer?

Yes

Unsure

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* 11. Does your current policy have disappearing retention? This clause may reduce your retention to zero over time if your practice is free of claims.
*available in certain states

Yes

Unsure

Employment Practices Liability Coverage Scorecard

Question Title

* 1. Please provide your contact information.

Question Title

* 2. Do you have protection against allegations of pregnancy discrimination, racial discrimination, religious discrimination, age discrimination, or disability discrimination from current, former, or prospective employees?

Question Title

* 3. Do you have coverage if individuals allege that they were subjected to sexual harassment in the practice?

Question Title

* 4. Do you have coverage for claims alleging discrimination or harassment brought by a third party against the practice or its employees?

Question Title

* 5. Does your current policy respond to allegations from an employee claiming he or she could no longer tolerate the work environment and was compelled to resign or retire?

Question Title

* 6. Does your current policy have a duty to defend clause? Which is a required duty by the insurance company to defend you against covered allegations (this coverage transfers your risk and the legal fees to the insurance company)

Question Title

* 7. Does your current coverage have an endorsement providing coverage for fees and expenses incurred in connection with the Workplace Violence Act?

Question Title

* 8. Does your current coverage have an endorsement covering defense costs for covered immigration claims arising out of an actual or alleged violation of the Federal Immigration and Nationality Act?

Question Title

* 9. Does your current coverage have an endorsement providing reimbursement for expenses related to a crisis event resulting from a wrongful employment practice?

Question Title

* 10. Does your current coverage have an endorsement covering costs for diversity sensitivity training if the practice is obligated to conduct such training by reason of judgment, settlement, or an alternative dispute resolution process, following a claim against the employer?

Question Title

* 11. Does your current policy have disappearing retention? This clause may reduce your retention to zero over time if your practice is free of claims.*available in certain states

* 11. Does your current policy have disappearing retention? This clause may reduce your retention to zero over time if your practice is free of claims.
*available in certain states