Employer Practices Liability in Concord, CA, Novato, CA and Surround Areas

An increasing area of concern for employer, Employment Practices in involve issues with Hiring, Discrimination, Benefits, Harassment, Wrongful Termination and other employment related concerns.

Coverage for these types of claims are generally not covered, or are given as only token coverage on Business Owners policies.

Your business also needs protection for  Third-Party Employment Practices Liability Insurance.

In our increasingly litigious society, the threat of a lawsuit hangs over every business transaction, large or small. Even employers who adhere to the letter of the law at all times are likely be sued by an aggrieved employee or customer at some point. While many suits are groundless, defending against them is costly and time consuming.

If you carry Employment Practices Liability Insurance (EPLI), your business has a measure of protection

against lawsuits from current, prospective or former employees who allege “wrongful acts” such as discrimination (age, sex, race, disability, etc.), sexual harassment or wrongful termination. But what happens if a customer sues you for discrimination? Are you protected?

The Importance of Third-Party EPLI

Many employers do not realize—until it is too late—that they have a gap in their insurance coverage that leaves them vulnerable to discrimination and harassment lawsuits from customers, clients, vendors and suppliers. Standard EPLI policies only provide coverage for lawsuits brought about by employees or prospective employees, and most commercial general liability (CGL) policies specifically exclude coverage for harassment and discrimination. That’s where third-party EPLI comes in.

Third-party EPLI fills this gap between EPLI and CGL, and offers protection against allegations of wrongful acts made by customers, clients, vendors and suppliers. In general, covered claims include the following:

o Discrimination, based on:

o Race

o Religion

o Sex

o Age

o National origin

o Disability

o Pregnancy

o Sexual orientation

· Harassment

o Unwanted sexual advances

o Unwanted requests for sexual favors

o Other verbal or physical actions that create a hostile or offensive work environment

Third-party EPLI is vital for businesses that deal with customers on a daily basis, but even if your firm doesn’t have a lot of interaction with the general public, you may still benefit from third-party EPLI coverage if your operations involve clients, suppliers or vendors. To learn more about third-party EPLI coverage, request a free quote.

Hindsight Insurance Services

2349 Willow Pass Rd.

Concord, CA 94520

Main office: 925-523-7480
Toll free: 800-264-4637
Fax: 888-259-5561

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: By Appointment

Hindsight Insurance Services Novato

1615 Hill Road, STE H

Novato, CA 94947

Main office: 415-300-2436

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: By Appointment

Our Providers


Where to begin? I've used Hindsight for our complete suite of business insurance needs for approximately 20 years now. As a business owner, I live by the old fashioned credo of taking care of the customer -- and so do the folks at Hindsight. As a Hindsight client I feel we have a relationship based on trust and good service. I can't recommend them highly enough.
Rick Weldon -PR Motorsports
For more than 25 years we have relied on Mark Hinds at Hindsight Insurance Services for our workers compensation, business and property insurance needs. We have appreciated the personal and detailed attention to our concerns. Don Worth, President The Model Garage, Inc. Berkeley Ca
Don Worth
We have been customers of Hindsight Insurance Services for many years. I cannot say enough about how incredible they are. They get us the best rates and whenever I have a question they go above and beyond to answer my questions and never make me feel like I am taking to much of their time. They have always been very nice and very helpful. I highly recommend them! - J. Schumacker, Moraga Motors, Inc.
J. Schumaker