HR PROFESSIONAL LIABILITY INSURANCE
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HR PROFESSIONAL LIABILITY INSURANCE
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Employment litigation is becoming more common in the United States. Plaintiff attorneys are not only suing the companies involved, they are holding managers and supervisors personally liable. More often than not, lawsuits attempt to hold other individuals liable just because their positions required participation in the activity in question. If you are sued by a client as a direct result of your work, XINSURANCE helps you legally defend the claims against you and costs of legal defense. Your employer may have a business policy that covers you under many situations; however, you’re still at serious risk of being named individually in a lawsuit.
QUESTIONS TO CONSIDER
QUESTIONS TO CONSIDER
Q. Does your general liability insurance, professional liability insurance, or product liability insurance protect your personal assets in cases involving frivolous claims?
A. In most cases, legal judgments exceed the limits of these policies. Also, many common, frivolous claims may qualify as exclusions in your traditional business insurance policies.
Q. Has personal liability been addressed with your employer?
A. Unless indicated in your contract, they are not required to provide you with legal counsel, leaving you on the hook for the cost of defending yourself.
Q. Are you tasked with being the deliverer of bad news?
A. Even if you are not the decision maker, but the messenger of bad news, such as layoff, termination, or denial of leave benefits, you can often be targeted as the wrongdoer just for being an agent of the decision maker.
KNOW THE FACTS
About 99,412 workplace discrimination charges (retaliation 37,836) (race 33,512), (sex discrimination 30,356) filed in 2012. The estimated cost of defending a lawsuit of this nature, excluding trial costs, is $150,000
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