{"id":23900,"date":"2023-06-01T00:00:20","date_gmt":"2023-06-01T00:00:20","guid":{"rendered":"https:\/\/todaysveterinarybusiness.com\/?p=23900"},"modified":"2023-06-17T17:12:01","modified_gmt":"2023-06-17T17:12:01","slug":"epli-protect-defend-0623","status":"publish","type":"post","link":"https:\/\/navc.sitepreview.app\/todaysveterinarybusiness.com\/epli-protect-defend-0623\/","title":{"rendered":"When Employees Sue You"},"content":{"rendered":"<p style=\"font-weight: 400;\">In today\u2019s litigious environment, protecting your veterinary practice against an ever-expanding set of risks is more important than ever. Fire, theft, vandalism and professional liability are no-brainers. Another risk, an employment practice liability claim, often takes a backseat, but the chance of encountering one is on the rise. Many of them are driven by what\u2019s referred to as \u201csocial inflation,\u201d or societal changes primarily responsible for increasing the cost of claims at a rate well above general economic inflation. These include plaintiff-friendly legal decisions, social media influence, the erosion of tort reform and the avoidance of historical mitigation strategies.<\/p>\n<p style=\"font-weight: 400;\">The result is year-over-year increases in the frequency of employment practice liability claims and their financial costs. It\u2019s especially true in states such as California, Michigan, New York and Texas.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Understanding the Concept<\/strong><\/h3>\n<p style=\"font-weight: 400;\">Employment practice liability includes but isn\u2019t limited to claims of:<\/p>\n<ul>\n<li>Wrongful termination.<\/li>\n<li>Harassment of a sexual, verbal or physical nature.<\/li>\n<li>Discrimination, including gender, age, race, religion, pregnancy and disability.<\/li>\n<li>Unfair hiring or promotion.<\/li>\n<li>Unfair discipline.<\/li>\n<li>Infliction of emotional distress.<\/li>\n<li>Breach of employment contracts.<\/li>\n<li>Mismanagement of employee benefits plans.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">The list goes on. Wrongful termination is the most common claim. Fortunately, employment practice liability insurance (EPLI) protects a business against such an allegation. Additionally, such policies might cover claims involving wage violations and third parties, such as veterinary clients and independent contractors.<\/p>\n<p style=\"font-weight: 400;\">Most EPLI policies respond only to claims \u201creported\u201d during the policy period. That provision differs from a typical property and liability policy, which responds to claims \u201coriginating\u201d during the policy period. Confusing? Yes, but it\u2019s vital when canceling an EPLI policy. Therefore, discuss your options with an insurance professional.<\/p>\n<p style=\"font-weight: 400;\">EPLI policies typically offer choices of deductibles. However, don\u2019t be surprised to get quotes considerably higher than your standard <a href=\"https:\/\/todaysveterinarybusiness.com\/column\/protect-and-defend\/\">insurance policies<\/a>, especially if you\u2019re in a higher-risk state.<\/p>\n<p style=\"font-weight: 400;\">Furthermore, just to add salt to the wound, employers, even if they win, remain responsible for their legal fees.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>Excuses, Excuses<\/strong><\/h3>\n<p style=\"font-weight: 400;\">Seven out of 10 businesses don\u2019t have employment practice liability protection. Why don\u2019t all veterinary hospitals have it? Common reasons include:<\/p>\n<ul>\n<li><strong>\u201cIt\u2019s too expensive\u201d:<\/strong> Remember that the price of any insurance coverage is directly proportional to the degree of claims frequency and the financial exposure to the insurance company.<\/li>\n<li><strong>\u201cI think I already have it\u201d:<\/strong> Policyholders typically fall into one of two categories: those with a small amount of EPLI coverage and those whose business owners or general liability policies exclude it. Either way, they\u2019re inadequately protected.<\/li>\n<li><strong>\u201cI\u2019ve been in practice for many years and never had a problem\u201d:<\/strong> The same argument holds for many other aspects of business. Unfortunately, making decisions based on history instead of today\u2019s legal and societal environment is potentially costly.<\/li>\n<li><strong>\u201cEveryone here is like friends and family\u201d:<\/strong> From a risk perspective, such a thought process isn\u2019t the reality. Statistically speaking, the closer the interpersonal relationship, the greater the animosity and desire for retribution compared with strict business relationships.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">In addition, not having a dedicated human resources professional or formal policies and procedures around hiring, termination, employee reviews, codes of conduct, conflict resolution and discipline increases the risk of a claim dramatically.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>The Real World<\/strong><\/h3>\n<p style=\"font-weight: 400;\">What follows is an example illustrating my EPLI perspective.<\/p>\n<p style=\"font-weight: 400;\">A client of mine owns a multidoctor practice. I received a call informing me that a female veterinarian had sued, claiming gender salary discrimination. Almost immediately, a second female veterinarian filed an identical claim.<\/p>\n<p style=\"font-weight: 400;\">Despite aggressively denying the allegations and after months of legal pingpong, my client settled out of court to mitigate the negative impact of the cases on his team and because of the ongoing legal expenses and potentially significant court verdicts. The two claimants received $400,000 and $250,000, respectively, plus legal costs.<\/p>\n<p style=\"font-weight: 400;\">Of particular interest was the fact that the practice owner is a female veterinarian. Unfortunately for her, she had delegated all employee management responsibilities, including supervising salary equity and hiring, to her male practice administrator.<\/p>\n<p style=\"font-weight: 400;\">In this instance, replacing a doctor was difficult during the pandemic. In response, the practice offered a male veterinarian several financial incentives to join the team. No consideration was given to the <a href=\"https:\/\/todaysveterinarypractice.com\">current veterinarians<\/a>. Regardless of any degree of culpability, inadequate oversight led to allegations of unfair business practices and an expensive outcome.<\/p>\n<p style=\"font-weight: 400;\">Fortunately, my client had a comprehensive EPLI policy with a $1 million coverage limit.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>How Much Is Enough?<\/strong><\/h3>\n<p style=\"font-weight: 400;\">EPLI claims, even those with doubtful merits, often cost $100,000 or more, depending on the number of plaintiffs and any settlements or judgments.<\/p>\n<p style=\"font-weight: 400;\">To gauge whether you have enough EPLI, check your business owners policy. What and how much does it cover? Most standard liability policies exclude employment practices claims or cover only up to $10,000.<\/p>\n<p style=\"font-weight: 400;\">That said, a few business liability policies offer excellent EPLI endorsement options of up to $100,000. The major advantage of an EPLI endorsement is the availability of deductibles as low as $1,000 and a significantly lower premium than in a standalone policy.<\/p>\n<p style=\"font-weight: 400;\">Regardless of your choice, I encourage all my clients to have a minimum of $100,000 in EPLI coverage. Some protection is better than nothing.<\/p>\n<h3 style=\"font-weight: 400;\"><strong>How to Prevent Claims<\/strong><\/h3>\n<p style=\"font-weight: 400;\">Good business practices and treating all employees equally are the best ways to verify your company\u2019s innocence against allegations of unfairness or improper actions. In addition, understanding employee rights is paramount.<\/p>\n<p style=\"font-weight: 400;\">Internally, educate your managers and employees about minimizing the potential for problems. Also, establish clearly defined expectations and protocols detailing what to do if one occurs.<\/p>\n<p style=\"font-weight: 400;\">EPLI might not be cheap, but neither are plaintiffs\u2019 claims. When considering the legal costs associated with one lawsuit, combined with the emotional and indirect financial costs to you and your practice, why would you not have EPLI? Don\u2019t put it off.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EPLI stands ready to safeguard you and your clinic\u2019s assets from legal claims arising from workplace disputes.<\/p>\n","protected":false},"author":15,"featured_media":23901,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"iawp_total_views":0,"footnotes":""},"categories":[406],"tags":[],"class_list":["post-23900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-june-july-2023","column-protect-and-defend","clinical_topics-business-insurance"],"acf":{"hide_sidebar":false,"hide_sidebar_ad":false,"hide_all_ads":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>When Employees Sue You | Today&#039;s Veterinary Business<\/title>\n<meta name=\"description\" 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