Employment Practices Liability Insurance (EPLI) is a critical safeguard for medical providers, including doctors and dentists, who face a variety of employment-related risks. With increasing litigation surrounding workplace practices, EPLI protects medical professionals from claims such as wrongful termination, discrimination, harassment and retaliation. For healthcare providers, there are additional exposures unique to the patient relationship, which is why we offer a dedicated product specifically designed to meet those needs.
One vital aspect of this coverage is the provision of defense costs for allegations of patient molestation. These cases can be severe, and defending against such accusations is both financially and emotionally taxing. This specialized protection ensures that healthcare providers are equipped to handle even the most sensitive allegations.
Another unique component for medical providers is Wage and Hour coverage*, which protects against claims related to unpaid overtime, employee misclassification and other wage-related disputes. A policy offering a $100,000 sub-limit for both defense and indemnity is especially beneficial, as wage-related lawsuits can escalate quickly in cost, even if the employer is ultimately found not at fault.
Claim Example: A woman broke her ankle and went to a specialist, who prescribed pain medication after the procedure. Over time, the woman continued to express significant pain and requested to keep receiving the medication, to which she was becoming increasingly dependent. When the doctor examined her injury and determined that she no longer needed the pain medication, she grew angry and insisted on a new prescription.
When the doctor refused, she threatened to sue, alleging that he made an inappropriate advance and became physical. She believed that threatening a lawsuit would force the doctor to prescribe more medication. When he stood firm and did not provide additional pain medication, she sued him for sexual harassment and patient molestation.
After a costly defense, the case was dismissed. However, having a duty-to-defend policy ensured that the practice could continue to focus on patient care.
Getting a quote for EPLI for medical providers is simple with three easy options:
- Online: Online rating that is quick and easy
- Phone: Speak with a knowledgeable underwriter at 888-SPD-USLI
- Email: Submit your application for a turnaround in just three hours
Additionally, medical providers benefit from access to a robust business resource center, which includes a free and unlimited HR consulting hotline. This resource offers guidance on employment law and human resources helping medical practices stay compliant and avoid costly mistakes.
*Not available in CA and FL
