Why You Need to Consider Employment Practices Liability Coverage

The threat of Employment Practices Liability (EPL) claims against dentists
should be taken seriously. Employee claims for wrongful termination, sexual
harassment or discrimination are just a few of the allegations for which employers may be held liable. Even charges without merit require costly legal defense to properly address.

People frequently assume they already have certain insurance coverages when, in many cases, they do not. While most commercial insurance policies will automatically include select coverages, it’s a mistake to simply assume you have every protection you need. Unfortunately, some dental offices may fall into this perilous practice.

Employment Practices Liability is one of the coverages that many assume
they have, or that is included as part of another policy. This may be the case
in some situations but it is critically important to verify it with your insurance
agent. If you do not have Employment Practices Liability coverage, you
should strongly consider adding it to your portfolio. Without it, you could be
responsibile for some very unpleasant bills should a claim arise.
Fortunately, premiums for this important coverage are quite reasonable.
Policies can be written with a variety of features and limits, but anything
is better than nothing at all. To learn more about Employment Practices
Liability insurance options or to get a quote, call MDA Insurance at
800-860-2272 or visit mdaprograms.com.