Did you know that studies show that one out of every ten charter schools will face some employee-related litigation? Because of this, we recommend that all charter schools purchase Employment Practice Liability Insurance (EPLI). EPLI Insurance protects your charter school from the following types of claims scenarios:
- Sexual Harassment
- Wrongful Termination
- Age Discrimination
- Racial Discrimination
- Religious Discrimination
- Disability Discrimination
- Sexual Discrimination
- Hostile Working Environment
- Breach of Contract/Misrepresentation
- Harassment & Emotional Distress
More important than the coverage provided for the scenarios above is that your EPLI policy will also pay for the defense costs associated with defending you in the claim. The defense costs can easily cost as much, if not more, than the claim payment itself.
Here are a few claims scenarios that have happened to charter schools where EPLI Insurance was involved:
Sexual Harassment: Repeated comments made by an administrator manager resulted in a $350,000 payout to three former employees alleging sexual harassment.
Wrongful Termination: A human resources director was advised by a teacher to terminate an investigation of sexual harassment allegations. She was subsequently terminated from her position and was paid $300,000 in her wrongful termination suit.
Age Discrimination: A 62-year-old teacher successfully sued her employer for age discrimination because the charter school failed to document the employee’s poor performance properly. The representative won over $100,000 in the suit.
Disability Discrimination: When a charter school told a disabled job applicant that they had no openings for persons in wheelchairs, they found themselves with a $3.5M jury verdict.
If you would like to learn more about obtaining an EPLI policy for your charter school, please feel free to call our office.
