Employment Practices Liability Insurance (EPLI) with Third-Party Liability Coverage is an essential aspect of your business protection strategy, especially for franchisees and small business owners in the home service industry. This coverage protects your business from claims made by non-employees, such as customers or clients, who may allege discriminatory or wrongful acts perpetrated by your employees.

Consider a scenario where you operate a window & glass contracting business. One of your employees makes a derogatory remark to a client based on their race or gender. The client, feeling harassed and discriminated against, decides to take legal action against your company. In this case, EPLI with Third-Party Liability Coverage would protect by covering legal defense costs and any settlements or judgments that may arise from such a claim.

EPLI with Third-Party Liability Coverage is crucial for:

• Protecting your business against claims of wrongful acts (like discrimination or harassment) made by non-employees.
• Safeguarding your company’s reputation and financial stability in the face of potential legal challenges.
• Ensuring a safer and more respectful business environment for clients and customers.