Capital Insurance Group Rolls Out Employment Practices Liability Coverage to Business Owner Policies

By The Associated Press | Posted - Mar. 5, 2014 at 10:31 a.m.



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TO BUSINESS, LABOR, AND LEGAL AFFAIRS EDITORS:

Capital Insurance Group Rolls Out Employment Practices Liability

Coverage to Business Owner Policies

MONTEREY, Calif., March 5, 2014 /PRNewswire/ -- As of March 1, 2014,

Capital Insurance Group@ (CIG) will have expanded its comprehensive

Employment Practices Liability Insurance (EPLI) option to include

business owner policies (BOP). The expanded policy option offers

protection for organizations with up to 250 employees with a limit of

$1 million. Organizations with 50 employees or less are covered up to

$250,000 and are not required to submit an application. CIG EPLI also

provides complementary resources, including "best practices"

information, a legal advice hotline and optional third party coverage.

"We are proud to be able to extend this important, potentially

business-saving coverage to our business owner policies. If a business

owner has or is considering hiring employees, they are exposed to risk

and should protect themselves," said Ken Stewart, CIG Commercial Lines

Director. "Our EPLI provides broad coverage and helpful loss

prevention information. If a claim or allegation arises, we offer full

prior acts protection and the added enhancement of legal counsel for

our clients. Any litigation process can be unpleasant, but having EPLI

coverage can mean the difference between bouncing back and shutting

your doors."

EPLI provides protection for an employer against claims made by

existing, former or prospective employees and covers a wide span of

employment-related allegations. Third Party Coverage is also available

and includes by definition "Tenants" as third parties. The CIG product

also provides Full Prior Acts protection for liability and defense

costs arising from employee lawsuits alleging:

-- Wrongful Termination Disciplinary Actions, Negligent Evaluations

-- Harassment Sexual, Slander and/or Libel, Emotional Distress or

Stress

-- Discrimination Failure to Employ, Deprivation of Opportunity and

others

"Beyond the EPLI coverage itself, CIG provides access to free

resources, like model employee handbooks, training modules, and

information documents on relevant, new legislation, that help small

businesses mitigate risk and utilize sound employment practices," said

Mark Ohlstrom, CIG Risk Assessment and Loss Control Manager. "These

complementary tools are part of our ongoing, total commitment to

reducing risk and protecting small businesses."

EPLI coverage for BOP and for the existing Commercial Package policies

are now available in Arizona, California, Nevada, Oregon, and

Washington.

About Capital Insurance Group Capital Insurance Group@ (CIG) is the

leading regional property and casualty insurer serving the Western

U.S. since 1898. CIG insures Personal Auto, Homeowners, Farmowners,

Condo Owners, Vacation Property, Renters, Apartment Building Owners,

and many kinds of Commercial and Agricultural Auto and Property. The

more than 115 year-old company is rated "A" (Excellent) by A.M. Best,

the independent financial monitor of the insurance industry. CIG

manages personal, business, and agriculture risks underwritten by its

affiliate companies: California Capital Insurance Company, Eagle West

Insurance Company, Nevada Capital Insurance Company, and Monterey

Insurance Company. Types of policies may vary from state to state. For

more information, please visit www.CIGinsurance.com CIG Delivers More.

Continuously.T

SOURCE Capital Insurance Group

-0- 03/05/2014

/CONTACT: Alex Nietrzeba, Purdue Marion & Associates, 702-222-2362; or Sandie Borthwick, Capital Insurance Group, 831-233-5372

/Web Site: http://www.ciginsurance.com

CO: Capital Insurance Group

ST: California

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-- LA77475 --

0000 03/05/2014 17:29:00 EDT http://www.prnewswire.com

Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

The Associated Press

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