Both state and federal law provide powerful protections for restaurant workers, shielding them from discrimination and ensuring that they’re paid fairly. And while most restaurant owners strive to provide a safe and fair working environment for all their employees, honest mistakes or other issues may result in claims of harassment or wage theft. Adding employment practices liability insurance (EPLI) coverage to your commercial insurance policy can mitigate the damage caused by these serious allegations.

The Importance of EPLI Coverage

The Consequences of Employment Law Violations

Claims of sexual harassment, discrimination based on a protected status, or false termination can be extremely costly, especially if the employee takes the case to court. Even if you win the lawsuit, the legal fees and other costs could be more than your restaurant can afford, especially in the competitive food industry. Your business may be subjected to a lengthy investigation, and the reputation you’ve worked so hard to build could be permanently damaged, regardless of the outcome.

What Is EPLI Coverage?

Because the financial impact of wrongful termination, harassment, or wage denial claims is so high, a commercial insurance package that includes EPLI coverage is a worthwhile investment. In addition to paying settlements against valid claims, EPLI coverage also provides the resources to combat fraudulent claims, including covering your legal expenses and court costs. In some cases, your commercial insurance provider will even cover the expense of implementing new business practices designed to prevent similar claims from occurring in the future. An independent insurance agent will make sure you are protected.

For 20 years, restaurant owners throughout Union County, NC, have relied on Tammy Ross Insurance for commercial insurance policies tailored to their needs. As an independent broker, this trusted local agency offers products from several of the best carriers in the industry, giving the agency a wider array of policies to choose from. Visit the website to learn more about what they offer, follow their Twitter for news and updates, or call (704) 233-4981 to discuss your commercial insurance options today.