OVERVIEW

Employment related suits usually involve one or more of the following: discrimination, sexual harassment, or wrongful termination. The purpose of the County Medical Association / Society sponsored program is to provide members with the needed tools to manage risk properly and the protection generally missing from other insurance policies.

EPLI Quote Request

Call 1-800-842-3761 Today!

Tell Me More

Employment related lawsuits have become more common. What many physicians don’t realize is that help is literally a phone call away.

County Medical Association and Society/CMA members have access to a unique blend of risk management services and insurance specifically designed to assist physicians in addressing these important employment issues. Among the features of the sponsored Employment Practices Liability program are:

A Helpline staffed by experienced employment defense attorneys. Any manager, officer or principal of your practice has access to the Helpline for obtaining advice on handling workplace issues, including internal sexual harassment complaints, discipline and employee terminations.
If a member seeks Helpline advice on an employee termination which later results in a claim, there is a 50% reduction of the member’s EPLI deductible for that claim.
Free comprehensive criminal background checks for newly hired and promoted managers/supervisors.
EEO compliance training for managers/ supervisors. An internet-based training program, compliant with California law, provides supervisors with sexual harassment training.
A low minimum annual premium.
Wage and Hour Defense Coverage option.
Special CMA/County First Time Buyers program.

For more information or to obtain a quote, please contact AMBA at 1-800-842-3761 or email us at: [email protected]

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

Address Association Member Benefits Advisors 4050 NW 114th Street Urbandale, Iowa 50322
Phone 1-800-842-3761
Hours M-F 8a-5p PST
Fax 213-346-5946
Email [email protected]

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Isn’t this covered under a general liability policy?

With rare exceptions, claims resulting from the above types of offenses are not covered under general liability policies. First, the majority of these acts are not accidental, so they are not considered occurrences. Also, the injuries they cause do not constitute bodily injury or personal injury as defined under most general liability forms.
Isn‘t this covered under my workers’ compensation policy?

Workers’ compensation policies specifically exclude coverage of employment practice issues. A sample exclusion from one policy states: damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, harassment, humiliation, discrimination, against or termination of employee, or personnel practices, policies, acts or omissions are excluded.
I’m a good manager and have a good relationship with my employees. My employees wouldn’t bring a claim against me.

Maybe so, but many businesses, both small and large, are more likely to be sued by employees than third party or customer.
Employment practices claims don’t apply to my medical practice because we have fewer than 15 employees.

Not so. In fact, the accusation of a wrongful discriminatory act is cause for legal action regardless of whether you have one employee or one hundred.
I use contract employees, so I have no employment practice liability exposure.

Again not so. Employer has been broadly interpreted by case law to include any personnel who works primarily in your place of business, regardless of whether or not they are directly on your payroll.