Employment Practices Liability Insurance or EPLI coverage should be bought by any business that has employees. It covers business owners against a variety of claims that can result from employment process. It may guard against lawsuits stemming from wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, emotional distress, breach of contract, and wage and hour violations. While virtually every business owner should hold this type of policy it is often overlooked.
The number of claims is rising nationwide and there have also been some notable cases statewide such as this one in a Waikiki restaurant (http://finance.yahoo.com/news/feds-sue-senor-frogs-hawaii-sexual-harassment-215355999.html), another against a fast food establishment on Kauai (http://www.eeoc.gov/eeoc/newsroom/release/9-27-12a.cfm), and a horse farm in Waimanalo(http://www.staradvertiser.com/news/20100912_Jury_awards_woman_930000_in_wrongful_termination_lawsuit.html?id=102721699). No matter the operation these types of claims can and do occur. Having an EPLI policy in place is one important step you can take to protect your reputation and assets.