Fillable EPL  Over 75 Employees Application (CSRisks)

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EPL  Over 75 Employees Application (CSRisks)

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The EPL  Over 75 Employees Application (CSRisks) form is 17 pages long and contains:

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  • 38 check-boxes
  • 253 other fields

Country of origin: US
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NOTICE: THE CLAIMS MADE AND REPORTED LIABILITY COVERAGE SECTIONS OR PROVISIONS OF
THIS POLICY FOR WHICH THIS APPLICATION IS BEING MADE, WHICHEVER ARE APPLICABLE,
COVER ONLY CLAIMS FIRST MADE AGAINST THE INSURED DURING THE POLICY PERIOD OR, IF
APPLICABLE, ANY DISCOVERY PERIOD AND REPORTED TO THE INSURER PURSUANT TO THE
TERMS OF THE POLICY. THE AMOUNTS INCURRED TO DEFEND A CLAIM REDUCE THE
APPLICABLE LIMIT OF LIABILITY AND ARE SUBJECT TO THE APPLICABLE RETENTION OR
DEDUCTIBLE.
Instructions: Please read carefully and answer all questions. If a question is not applicable, so state. This
Application and all exhibits shall be held in confidence. Please read the Policy for which application for coverage is
made (the "Policy") prior to completing this Application. The terms as used herein shall have the meanings as
defined in the Policy.
Applicant means all corporations, organizations or other entities set forth in Question 1. of the General Information
section of this Application, including any subsidiaries, proposed for this insurance.
I. General Information
1. Name of Applicant: __________________________________________________________
Address: ___________________________________________________________________
(Number) (Street)
___________________________________________________________________
(City) (State) (Zip Code)
2. North American Industry Classification System Code (NAICS): _________________________
3. Nature of Operations: _______________________________________________________
_______________________________________________________
_______________________________________________________
*Note – please include description of all Applicants, including any subsidiaries.
4. Website: ______________________________
Application for
Business and Management (BAM)
Indemnity Insurance
Northwest Professional Center
227 US Hwy 206, Suite 302
Flanders, NJ 07836-9174
Tel: (973) 252-5141 / (800) 689-2550
Fax: (973) 252-5146 / (800) 689-2839
www.ERiskServices.com
email: application@ERiskServices.com
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5. Has the Applicant been in business longer than three (3) years?
Yes No
6. Is the Applicant publicly-held or a public reporting company under the Securities Exchange Act of
1934, as amended?
Yes No
7. Has the Applicant been involved with, negotiated, attempted or transacted any merger, acquisition,
asset sale or divestment in the past eighteen (18) months where such merger, acquisition, asset sale or
divestment involved more than twenty five percent (25%) of the total assets or securities of the
Applicant? If yes, please provide details on a separate page.
Yes No
8. Does the Applicant contemplate transacting any merger, acquisition, asset sale or divestment in the
next twelve (12) months where such merger, acquisition, asset sale or divestment would involve more
than fifty percent (50%) of the total assets or securities of the Applicant? If yes, please provide details
on a separate page.
Yes No
II. Financial Information
1. Describe the following financial information of the Applicant for the most recent fiscal year-end.
Total Assets:
Gross Revenues:
$ ___________________
Net income /Net loss:
Cash flow from operating activities:
$ ___________________
2. Do the current liabilities exceed current assets? If yes, please provide details on a separate page.
Yes No
3. Do long-term liabilities exceed seventy five percent (75%) of total assets? If yes, please provide
details on a separate page.
Yes No
4. Will more than fifty percent (50%) of the total long-term liabilities mature within the next eighteen
(18) months? If yes, please provide details on a separate page.
Yes No
5. Is the Applicant currently in default or anticipate in the next twelve (12) months to be in default of any
debt covenants? If yes, please provide details on a separate page.
Yes No
6. Does the Applicant anticipate in the next twelve (12) months or has the Applicant transacted in the last
twenty four (24) months any restructuring or legal or financial reorganization or filing for corporate
bankruptcy? If yes, please provide details on a separate page.
Yes No
7. Does any person or entity who owns or controls fifty percent (50%) or more of the outstanding
securities of the Applicant anticipate in the next twelve (12) months filing for or has any such person
or entity within in the last twenty four (24) months filed for personal or corporate bankruptcy? If yes,
please provide details on a separate page.
Yes No
8. Does the Applicant have any actual or potential earn-out or other contingent payment obligation in the
next twenty four (24) months to any person or entity where such payment obligation exceeds
$500,000? If yes, please provide details on a separate page.
Yes No
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III. Prior Insurance Information
1. Describe any current insurance maintained.
Coverage
Limit of Liability
Retention
Premium
Expiration Date
Employment Practices Yes
Name of Current Insurer: Date Coverage First Purchased:
Directors and Officers Yes
Name of Current Insurer: Date Coverage First Purchased:
Fiduciary Yes
Name of Current Insurer: Date Coverage First Purchased:
Commercial Crime Yes
Name of Current Insurer: Date Coverage First Purchased:
Privacy/Privacy Breach Yes
Name of Current Insurer: Date Coverage First Purchased:
Technology Errors & Omissions Yes
Name of Current Insurer: Date Coverage First Purchased:
Miscellaneous Errors & Omissions Yes
Name of Current Insurer: Date Coverage First Purchased:
2. Has any insurer made any payments, taken notice of claim or potential claim or non-renewed any
management liability or similar insurance at any time in the last three (3) years? If yes, please provide
details on a separate page.
Yes No
IV. Prior Activities Information
1. Within the last three (3) years, has the Applicant or any person proposed for this insurance in his or
her capacity as an employee, officer, or director of the Applicant or another entity been the subject of
or involved in any:
a. litigation, civil, arbitration, administrative or criminal proceeding, civil or criminal charge or
hearing, or a written demand seeking monetary or non-monetary damages?
Yes No
b. formal or informal investigation, proceeding or inquiry by any federal, state or local
governmental agency or regulatory body, including without limitation, the U.S. Department of
Justice, the U.S. Department of Labor, or any federal or state office of the Attorney General?
Yes No
c. notice of charges or other proceeding from the Equal Employment Opportunity Commission or
any similar state or local agency or regulatory body?
Yes No
If yes, please provide details on a separate page.
2. Within the last three (3) years, has the Applicant had any commercial crime losses? If yes, please
provide details on a separate page.
Yes No
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V. False Information
FRAUD WARNING: Any person who knowingly and with intent to defraud any insurance company or other person files an
application for insurance or statement of claim containing any materially false information or conceals for the purpose of
misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects
such person to criminal and civil penalties. (Not applicable to Oregon).
NOTICE TO ALABAMA APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of a
loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be
subject to restitution fines or confinement in prison, or any combination thereof.
NOTICE TO COLORADO APPLICANTS: It is unlawful to knowingly provide false, incomplete, or misleading facts or
information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include
imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who
knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of
defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance
proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
WARNING TO DISTRICT OF COLUMBIA APPLICANTS: It is a crime to provide false or misleading information to an
insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition,
an insurer may deny insurance benefits if false information materially related to a claim was provided by the
applicant.
NOTICE TO FLORIDA APPLICANTS: Any person who knowingly and with intent to injure, defraud, or deceive any in-surer
files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of
the third degree.
NOTICE TO LOUISIANA APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of a
loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to
fines and confinement in prison.
NOTICE TO MAINE APPLICANTS: It is a crime to knowingly provide false, incomplete or misleading information to an
insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of
insurance benefits.
NOTICE TO MARYLAND APPLICANTS: Any person who knowingly or willfully presents a false or fraudulent claim for
payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of
a crime and may be subject to fines and confinement in prison.
NOTICE TO MINNESOTA APPLICANTS: A person who files a claim with intent to defraud or helps commit a fraud against
an insurer is guilty of a crime.
NOTICE TO OHIO APPLICANTS: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an
insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
NOTICE TO OKLAHOMA APPLICANTS: Any person who knowingly, and with intent to injure, defraud or deceive any
insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is
guilty of a felony.
NOTICE TO RHODE ISLAND APPLICANTS: Any person who knowingly presents a false or fraudulent claim for payment of
a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject
to fines and confinement in prison.
FRAUD WARNING (APPLICABLE IN VERMONT, NEBRASKA AND OREGON): Any person who intentionally presents a
materially false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state
law.
FRAUD WARNING (APPLICABLE IN TENNESSEE, VIRGINIA AND WASHINGTON): It is a crime to knowingly provide
false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties
include imprisonment, fines, and denial of insurance benefits.
NEW YORK FRAUD WARNING: Any person who knowingly and with intent to defraud any insurance company or other
person files an application for insurance or statement of claim containing any materially false information, or conceals for the
purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime,
and shall also be subject to civil penalty not to exceed five thousand dollars and the stated value of the claim for each such
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violation.
VI. Other Information
1. The undersigned declares that to the best of his/her knowledge the statements herein are true. Signing of this
Application does not bind the undersigned to complete the insurance, but it is agreed that this Application shall
be the basis of the contract should a Policy be issued, and this application will be attached to and become a part
of such Policy, if issued. The Insurer hereby is authorized to make any investigation and inquiry in connection
with this Application as they may deem necessary.
2. It is represented that the particulars and statements contained in the Application for the proposed Policy and any
materials submitted herewith (which shall be retained on files by Insurer and which shall be deemed attached
hereto, as if physically attached hereto), are the basis for the proposed Policy and are to be considered as
incorporated into and constituting a part of the proposed Policy.
3. It is agreed that in the event there is any material change in the answers to the questions contained herein prior
to the effective date of the Policy, the Applicant will notify the Insurer and, at the sole discretion of Insurer, any
outstanding quotations or binders may be modified or withdrawn.
4. It is agreed that in the event of any misstatement, omission, or untruth in this Application or any material
submitted along with or contained herein, the Insurer has the right to exclude from coverage any claim based
upon, arising out of, attributable to, directly or indirectly resulting from, in consequence of, or in any way
involving such misstatement, omission or untruth.
Signed: __________________________________________________ Date: ________________________
(must be signed by an Executive Officer of the Applicant)
For purposes of creating a binding contract of insurance by this application or in determining the rights and
obligations under such contract in any court of law, the parties acknowledge that a signature reproduced by
either digital signature, electronic signature, facsimile or photocopy shall have the same force and effect as an
original signature and that the original and any such copies shall be deemed one and the same document.
Please fully complete and attach the Information for the Coverage Section(s) being sought
or bound.
Any coverage part information section(s) of this Application are deemed signed and dated by the signatory in this
section VI. of the Application, unless otherwise specifically signed and dated.
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Employment Practices Coverage Section Information
Is the Applicant seeking Employment Practices coverage?
If yes, please answer the following questions.
Yes No
1. Employee and employment compensation information:
Full Time:
_______
Part Time:
_______
Seasonal:
_______
Contracted (leased, independent or otherwise):
______
a. Estimated annual remuneration of all employees, including officers, owners, or
partners:
b. Number of employees with estimated annual remuneration exceeding $100,000:
* Note: Remuneration above includes salary, commissions, bonuses and other incentives and does not include any dividends or security based
distributions.
2. Have more than twenty five percent (25%) of the officers or management voluntarily left the employ
of the Applicant or had employment with the Applicant terminated within the last eighteen (18)
months? If yes, please provide details on a separate page.
Yes No
3. Does the Applicant anticipate in the next twelve (12) months, or has the Applicant transacted in the
last twelve (12) months, any plant, facility, branch or office closing, consolidations or layoffs
affecting twenty percent (20%) or more of the employees of the Applicant? If yes, please provide
details on a separate page.
Yes No
4. Describe the internal controls the Applicant maintains for Employment Practices.
a. Have all management staff and officers attended training and education programs on sexual
harassment within the last eighteen (18) months?
Yes No
b. Does labor relations counsel review the employment policies/procedures at least annually?
Yes No
c. Is there a separate Human Resources Department?
Yes No
d. Does the Applicant publish and distribute an employee handbook to every employee?
Yes No
e. Are there written procedures for handling employee complaints of discrimination or sexual
harassment?
Yes No
f. Are there written procedures for handling employee grievances or complaints?
Yes No
g. Does the Applicant compensate all interns?
Yes No
h. Has the Applicant had in place for the past three years or since formation, whichever is the
shorter time period, written procedures and guidelines to classify the status of each employee as
Non-Exempt or Exempt under the rules and regulations of the Fair Labor Standards Act of 1938,
as amended?
Yes No
Contact information for EPL risk management services
Name:_________________________
Email:______________________
Phone:______________
Fax: ______________
This coverage part information section of the Application is deemed signed by an Executive Officer of the Applicant
and dated as of the date set forth in section VI. of this Application.
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Privacy Plus Coverage Section Information
Is the Applicant seeking Privacy Plus coverage?
If yes, please answer the following questions.
Note: Personal information records means all records of any natural person, including the records of
clients, customers and employees (see the policy form for the definition of Private Information).
Yes No
1. Please check the personal information records that you collect, store, maintain or
transmit.
Name/Address
Date of birth
Social security number
Account number
Credit card information
Financial information
E-mail address
Medical records
2. Are personal information records stored electronically? If yes, proceed to next question. If no,
proceed to question 9.
Yes No
3. Please check the computer hardware/software the Applicant employs to prevent
unauthorized access to electronically stored personal information records. If “Other” is
checked, please provide details on a separate page.
Firewall
Virus protection software
Intrusion detection system
Encryption system
Other
None
4. Does the Applicant maintain a wireless network?
If yes, is the network encrypted?
Yes No
Yes No
5. Is the above computer hardware/software routinely updated?
Yes No
6. Does the Applicant have a written policy or procedure for destroying hard drives no longer being
used by the Applicant?
Yes No
7. Are electronically stored personal information records backed-up in an internal or external facility or
process?
Yes No
If yes, please provide the following details.
a. Back-up records are stored:
b. Back-up of records occurs:
Internally Externally
Daily
Weekly
Monthly
Annually
8. Is the back-up of records stored in a secure location?
Yes No
9. Please check the security measures the Applicant employs to prevent unauthorized
access to paper/physical personal information records. If “Other” is checked, please
provide details on a separate page.
Nightly alarm system
Locking system on doors
File cabinet locks
Other
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10. Is access to personal information records restricted to only those employees who need access to these
records in the performance of their employment duties?
Yes No
11. Does the Applicant periodically test the security controls in place to prevent unauthorized access to
personal information records?
Yes No
12. Are personal information records, electronic or otherwise, allowed to be physically transported to any
external location for any purpose other than an external backup of records?
Yes No
If yes, please provide the following details.
a. Does the Applicant have a policy or process which monitors and identifies those transported
records?
b. Are any records stored at any time in a laptop computer?
c. Are any records stored at any time in a computer located in the personal residence of any
employee?
d. Are any records stored at any time in a computer owned by an outside vendor other than an
external backup of records?
Yes No
Yes No
Yes No
Yes No
13. Does the Applicant have a written Privacy Policy concerning any personal information records?
Yes No
If yes, please provide the following details.
a. Did an outside legal firm develop or review the Privacy Policy?
b. Is the Privacy Policy routinely reviewed and updated?
c. Is the Privacy Policy compliant with the rules and regulations of all applicable privacy laws?
Yes No
Yes No
Yes No
14. Please provide the following information.
a. Approximate number of clients, customers and employees whose personal information
records the Applicant collected, stored, maintained or transmitted during the last twelve
(12) months:
__________
b. Revenues of the Applicant for the last twelve (12) months:
$ _________________
c. Are the revenues of the Applicant anticipated to increase more than twenty five percent (25%) in
the next twelve (12) months? If yes, please provide details on a separate page.
Yes No
15. Within the last five (5) years has the Applicant been subject to or suffered any losses or litigation from
any:
a. Breaches of security?
Yes No
b. Unauthorized acquisition, access, use, identity theft, mysterious disappearance, or disclosure of
personal information?
Yes No
c. Violation of any privacy law, rule or regulation?
Yes No
d. Technology or extortion threats?
Yes No
If yes, please provide details on a separate page.
This coverage part information section of the Application is deemed signed by an Executive Officer of the Applicant
and dated as of the date set forth in section VI. of this Application.
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Technology, Media & Professional Services Coverage Section Information
Is the Applicant seeking Technology, Media & Professional Services coverage?
If yes, please answer the following questions.
Yes No
1. Describe in detail the professional services for which coverage is desired:
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
2. Date established: __________________
3. Is the Applicant engaged in any business other than as described in question 1.?
If yes, please attach an explanation and estimated receipts.
Yes No
4. What percentage of the Applicant’s business involves subcontracting work to others?
_____%
5. List the total gross receipts for the past year, which were derived from the services, listed in question
1. In addition, please provide the projected receipts for the current and next year in which insurance
coverage is desired.
a. Gross receipts for the next year:
$ _________________
b. Gross receipts for the current year:
$ _________________
c. Gross receipts for the prior year:
$ _________________
6. What industries are the professional services described in question 1. provided (e.g., government,
banking, medical, aviation, etc.)?
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
7. Is the Applicant controlled or owned by, or associated or affiliated with, or does it own, any other
firm or business enterprise? If yes, please attach an explanation.
Yes No
8. Are any significant changes in the nature or size of the Applicant’s business anticipated over the next
twelve (12) months? Or have there been any such changes in the past twelve (12) months? If yes,
please attach an explanation (change in size of less than twenty five percent (25%) need not be
explained.)
Yes No
9. Staffing Information.
a. What is the number of all principals, partners, officers and professional employees
directly engaged in providing services to clients:
__________
b. Average years of experience for the above mentioned for services requesting coverage:
__________
c. Number of all non-professional employees (clerks, secretaries, etc.):
__________
10. Are any staff members considered “Licensed Professionals” or do any staff members hold any
professional designations or belong to any professional societies/associations? If yes, attach
individuals name and designated affiliation.
Yes No
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11. Describe Applicant’s five (5) largest jobs or projects during the past three (3) years.
Client Name
Services Provided
Total Gross Billing
$
$
$
$
$
12. Does the Applicant have a written contract or agreement for every project? If yes, please attach a
sample copy.
Yes No
a. Provide the percentage of the Applicant’s revenue where a written contract is not secured:
_____%
b. Please check below if the Applicant’s contracts contain any of the following:
hold harmless or indemnification clauses in your favor?
hold harmless or indemnification clause in your client’s favor?
guarantees or warranties?
specific description of the services you will provide?
payment terms?
ownership of materials/products developed terms?
13. Describe steps taken to minimize/manage business risks:
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
14. Please provide the following information on Applicant’s professional liability insurance for the past
three (3) years:
Name of Insurer
Limits of
Liability
Deductible
Policy Period
Premium Retro Date
15. Please provide the following:
a. Standard contract(s) used.
b. Descriptive or promotional brochures.
c. Website address: www____________________________________
16. Prior to publishing content or releasing packaged or custom software/hardware, do you have an
attorney facilitate a patent/copyright/trademark search? If yes, please give name of the attorney’s
firm:______________________________
Yes No
17. Describe the Applicant’s policies and procedures for removing controversial or potentially infringing
material:
________________________________________________________________________________
________________________________________________________________________________
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18. Do you have a safety procedure in place to prevent the transmission of viruses?
If yes, please explain
________________________________________________________________________________
________________________________________________________________________________
Yes No
19. Are all of your computers equipped with anti-virus software?
If yes, what brand?
____________________________________________
Yes No
20. Are firewalls in place as a part of your security system?
Yes No
a. What firewall security do you employ? ______________________________
b. Was it configured by professional personnel?
Yes No
c. Did you alter it in any way before installing it?
Yes No
21. What kind of safeguards do you have in place to prevent unauthorized persons from accessing your
Web Sites or On-Line Service database?
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
22. Have any principals, partners, officers or professional employees ever been the subject of any
reprimand or disciplinary or criminal actions by authorities as a result of their professional activities?
If yes, please attach details.
Yes No
23. Does any person to be insured have knowledge or information of any act, error or omission, which
might reasonably be expected to give rise to a claim against him or his predecessors in business? If
yes, please attach details.
Yes No
24. Have any errors and omissions claims been made against any proposed insured(s)? If yes, please
attach details.
Yes No
25. Has the Applicant been a party to any lawsuit or other legal proceedings within the past five (5) years?
If yes, please attach details.
Yes No
This coverage part information section of the Application is deemed signed by an Executive Officer of the
Applicant and dated as of the date set forth in section VI. of this Application.
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EMPLOYMENT PRACTICES RISK MANAGEMENT SERVICES
E-Risk Services, LLC is proud and excited to now offer a state-of-the-art EPL Risk Management service that
provides Insureds the ability to ask specific human resource and employment law questions directly to
employment law attorneys, access to an Online Resource Portal and more.
Below please find information on the E-Risk EPL HELPLINE or go to
www.eriskeplhelpline.com
Why the E-Risk EPL HELPLINE?
As employers, your organization faces changing employment laws and ongoing employee issues. You have
questions about Wage/Hour, Workers' Compensation, Discrimination, Wrongful Termination, Benefits, ADA
and more.
E-Risk Services, LLC recognizes these challenges and provides the E-Risk EPL HELPLINE to deliver best
practice advice and counsel on many of the human resource and employment law issues that our clients
face. Access to employment law attorneys and a state-of-the-art Online Portal is available as often as needed.
The E-Risk EPL HELPLINE attorneys are from a national law firm. They are experts on both basic and complex
human resource and employment law issues and will respond to users' inquiries no later than the end of the next
business day. Their responses are documented and always kept strictly confidential.
What is the E-Risk EPL HELPLINE?
The E-Risk EPL HELPLINE is a value-add and loss reduction service package which is automatically included
with all BAM® policies. The service includes the following features for each insured.
Employer HELPLINE
o Unlimited phone and email access to personalized advice & best practices counsel on over 50
different human resources and employment law issues from a national law firm.
o Real, documented, confidential answers to an insured' s specific questions and detailed and
confidential responses by the end of the next business day.
The E-Risk EPL HELPLINE Online Portal
o Daily updated Federal & State HR and employment law news and regulation changes, Regulation
Comparison Charts, over 75 job descriptions, over 90 customizable model policies, forms and
posters and much more...
Monthly HR Express Updates
o Users can stay current with information sent directly to an email inbox. Each HR Express
Update includes a Question of the Month, Case Digest of the Month and periodic HR Alerts.
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What Can Users Ask?
HELPLINE responds to over 50 different human resource and employment law issues. Listed below are some
examples of questions asked.
Note: These services are utilized by organizations of all sizes and in all states... small, large or anywhere in
between, employers see the value of HELPLINE. All employers have questions and we provide the answers.
1. What are the major laws and restrictions that limit your right to fire?
2. Do I have to pay overtime?
3. Does my organization have to comply with the Family & Medical Leave Act (FMLA)?
4. How do you confront a troubled employee?
5. Do you have to pay an exempt employee for sick days?
50 Different HR Issues
Affirmative Action Plans
Age Discrimination (ADEA)
Americans with Disabilities Act (ADA)
Background and Employment Screening
Benefit Continuation (COBRA)
Compensation
Disability Claims and Issues
Discrimination
Drug Testing
Employee Benefits
Employee Handbooks
Employee Turnover
Exempt/Non-Exempt
Facility Closure
Family and Medical Leave Laws (FMLA)
Fraud/Theft/Shrinkage
Gender Issues
General Harassment
Hiring Practices
Immigration Laws and Issues
Interviewing
Layoffs
Management & Employee Development
Marital Status
Military Leave (USERRA)
National Origin and Language Issues
Payroll
Performance Management
Personnel Files (Content & Handling)
Physical Appearance Issues
Policies & Procedures
Pregnancy
Privacy (General and HIPAA Issues)
Progressive Discipline
Racial Issues
Recognition Programs
Regulatory Compliance (State & Federal)
Religious Issues
Retaliation
Safety Procedures & Practices
Sexual Harassment
Sexual Preference & Orientation Issues
Termination & Discharge
Training
Unemployment Compensation
Union Relations - General Inquiries
Wage/Hour (Federal)-Fair Labor Standards Act (FSLA)
Wage/Hour (State)
Workers Compensation
Workplace Violence
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Who Uses the HELPLINE?
Insureds who use the HELPLINE range in size from small organizations with under 10 employees to medium-
sized organizations with human resource departments all the way to large organizations with in-house legal
resources and many employees. Access to the attorneys for initial guidance or second opinions is always
unlimited and included in the E-Risk EPL HELPLINE.
Primary employer questions are typically "crisis" situations requiring immediate attention. The HELPLINE
attorneys will provide documented advice no later than the end of the next business day to support insureds in
these situations. Beyond these types of issues, we encourage users to be proactive and ask questions before
problems arise. By using the HELPLINE for advice and counsel, insureds can save thousands of dollars in legal
fees!
Large, or small, or somewhere in between, insureds can use the E-Risk EPL HELPLINE as often as they have
questions.
Why small organizations?
Small employers typically don' t have HR expertise on staff and need somewhere to turn for initial
guidance
What about a mid-size organization?
Busy HR professionals use HELPLINE to save time and get a legal (second) opinion
Large organizations, too?
Yes! HELPLINE' s attorneys are specialized in the field of Employment & Labor Law so even when an
organization has HR expertise and their own General Counsel on staff the E-Risk EPL HELPLINE
allows for time savings and gives second opinions in this specific area of law.
Find out more at www.eriskeplhelpline.com
Please make sure to include your contact information in the Employment Practices Coverage Section Information
section of the BAM Application so our representatives can reach out to you and you can benefit from our state-
of-the art EPL Risk Management Services.
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EPL Over 75 Employees Application (CSRisks)

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Completed 19 July 2020

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