16 Dec COVID-19 and Employment Practices Liability Insurance for Childcare Facilities and Schools
COVID-19 and Employment Practices Liability Insurance
Questions around the pandemic and vaccine mandates have become more prevalent regarding Employment Practices Liability (EPLI) coverage and the implications.
In addition to the different local, state and federal laws that are going to impact operating decisions, various funding programs are also beginning to discuss these types of requirements as well.
While we always encourage our clients to seek legal counsel when navigating these situations, we have had numerous in depth conversations with EPLI underwriters and are happy to share the feedback that we have received on the insurance side of this issue.
- Expected Increase in Claim Frequency:
EPLI claims will continue to increase as a result of the pandemic, according to our carriers.
Employment discrimination and wrongful termination are expected to be the most common EPLI claims for the foreseeable future. Some carriers are expressing that they are proactively factoring this in to their rates which is something I would encourage be included in your renewal/budget conversation.
- “Should we carry EPLI Coverage?”
We receive this question frequently from schools and child care facilities and I always emphasize that regardless of the nature of an allegation, you will always have to defend. Your insurance program is always a matter of personal risk tolerance, but these exposures are meaningful and should be discussed each year.
Child Care Facility 2021 Q4 Update
We’re here when you need us.
Andrew Massie
Childcare Facility School Specialist