Category Archives: Our Products

Why Employers Need an EPLI Policy

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epl
Did you know that…

  • Seventy-five percent of all litigation against companies today involves employment disputes?
  • The legal landscape is becoming increasingly more onerous for employers regarding their relationship with their employees?
  • Almost 100,000 charges were filed with the Equal Employment Opportunity Commission last year?
  • As the economy continues to falter, high unemployment, layoffs and salary freezes continue to be triggers for lawsuits from disgruntled employees and ex-employees?

Every employer needs a comprehensive Employment Practices Liability (EPL) policy in their risk management portfolio to protect their business from unanticipated claims of discrimination, harassment, wrongful termination, failure to pay overtime, retaliation and other common allegations.

We offer broad EPL coverage and risk management services:

  • Fair Labor Standards Act (FLSA) – $100,000 sublimit for defense and indemnity
  • Defense outside the limit of liability (must purchase $500,000 limit or higher and have under 200 employees)
  • Retentions as low as $1,000 (varies by state, city and class)
  • Third-party discrimination and harassment option available for most classes

For a quote, please submit an EPL Application to Angela Guerrera.

Emergency Care Services

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Continental Agency of CT offers Comprehensive General & Professional Liability, Property and Inland Marine coverages for Emergency Care Services. These coverages include:

  • Ambulance Services
  • First Aid and Rescue Squads
  • Paramedics and First Responders
  • EMT’s
  • Non-Emergency Transportation Services

PRODUCT HIGHLIGHTS:
Professional & General Liability

  • GL limits available up to $1,000,000 each occurrence/$3,000,000 aggregate
  • Defense is OUTSIDE the limits
  • Occurrence-based coverage
  • Emergency Medical Technician additional insured and off-duty coverage
  • Loading and Unloading of patients coverage
  • No Sexual Molestation exclusion
  • Pays defense costs, first-aid expenses and medical payments

Property

  • Commercial Property is available for Building, Business Personal Property & Loss of Earnings
  • Property Extension/Enhancement endorsement includes personal effects and property of others, valuable papers, property off premises, signs, sewer and drain backup, etc.
  • Property Floaters available to cover Equipment and Tools

Please email the ‘Emergency Care Services Application’ to Denise Borrelli for a quote or contact her for more information.