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Employment Practices Liability Insurance for Domestic Staff from GMG Insurance Laguna

You may employ a household of staff – from an au pair, chef and driver to a housekeeper and personal assistant. And during the hiring process, you most likely run a thorough background check and speak with references that applicants provide. Those you ultimately select are people you trust to care for your home, your children, maybe even your elderly parents. But trust isn’t all you need when you are an employer. You also need protection in the event a conflict arises and you are accused of mistreating an employee.

Claims can arise from misunderstandings, bad relations with you or your family, or hard feelings between employees. Those claims can cover a wide range of wrongdoing, including discrimination, wrongful termination, sexual harassment, and a hostile work environment, among others. Even if you’re innocent, legal bills can run high.

EPLI Coverage Is Worth the Protection

To protect yourself from these expenses, turn to an employment practices liability insurance (EPLI) policy for domestic staff. GMG Insurance Laguna partners with insurers that specialize in high-net-worth clients and their needs, so the products we offer are well suited to the exposures you’ll face.

Not only will your policy help with legal bills, it will also pay toward settlements or damage awards decided by a court. EPLI coverage can also be written to provide help with administrative hearings, and some insurers will provide crisis management assistance or public relations services to help control reputational damage. That can be especially important if accusations involve sexual misconduct, tax issues, or illegal alien problems.

Employment practices liability claims typically fall outside liability coverage provided in your homeowners insurance.

Protect against financial losses resulting from employee complaints.

Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at pfreeman@gmgins.com.