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Capital Insurance Group Rolls Out Employment Practices Liability Coverage to Business Owner Policies

MONTEREY, Calif., March 5, 2014 /PRNewswire/ -- As of March 1, 2014, Capital Insurance Group® (CIG) will have expanded its comprehensive Employment Practices Liability Insurance (EPLI) option to include business owner policies (BOP). The expanded policy option offers protection for organizations with up to 250 employees with a limit of $1 million. Organizations with 50 employees or less are covered up to $250,000 and are not required to submit an application. CIG EPLI also provides complementary resources, including "best practices" information, a legal advice hotline and optional third party coverage.

"We are proud to be able to extend this important, potentially business-saving coverage to our business owner policies. If a business owner has or is considering hiring employees, they are exposed to risk and should protect themselves," said Ken Stewart, CIG Commercial Lines Director. "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. Any litigation process can be unpleasant, but having EPLI coverage can mean the difference between bouncing back and shutting your doors."

EPLI provides protection for an employer against claims made by existing, former or prospective employees and covers a wide span of employment-related allegations. Third Party Coverage is also available and includes by definition "Tenants" as third parties. The CIG product also provides 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
  • Discrimination
    • Failure to Employ, Deprivation of Opportunity and others

"Beyond the EPLI coverage itself, CIG provides access to free resources, like model employee handbooks, training modules, and information documents on relevant, new legislation, that help small businesses mitigate risk and utilize sound employment practices," said Mark Ohlstrom, CIG Risk Assessment and Loss Control Manager. "These complementary tools are part of our ongoing, total commitment to reducing risk and protecting small businesses."  

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

About Capital Insurance Group
Capital Insurance Group® (CIG) is the leading regional property and casualty insurer serving the Western U.S. since 1898. CIG insures Personal Auto, Homeowners, Farmowners, Condo Owners, Vacation Property, Renters, Apartment Building Owners, and many kinds of Commercial and Agricultural Auto and Property. The more than 115 year-old company is rated "A" (Excellent) by A.M. Best, the independent financial monitor of the insurance industry. CIG manages personal, business, and agriculture risks underwritten by its affiliate companies: California Capital Insurance Company, Eagle West Insurance Company, Nevada Capital Insurance Company, and Monterey Insurance Company. Types of policies may vary from state to state. For more information, please visit www.CIGinsurance.com
CIG Delivers More. Continuously.™

SOURCE Capital Insurance Group

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