Employment practices liability

You wouldn’t practice dentistry without professional liability insurance, so don’t expose your practice to avoidable risk by neglecting to carry employment practices liability (EPL) insurance. EPL coverage responds to allegations such as wrongful termination, discrimination and sexual harassment.

With an average court settlement of over $40,000 for most employee lawsuits (10 percent of wrongful termination and sexual harassments cases settle for over $1 million), the long-term future of your practice is at risk. If you haven’t checked out DBC’s EPL Program yet, now is the time.

Why you need employment practices liability insurance:

  • You make decisions that directly impact your employees, exposing you to EPL risk.
  • Three out of five healthcare employers are sued by former employees.
  • A practice is more likely to have an employment practices claim filed than either a general liability or property claim. The average cost of an EEOC lawsuit in 2010 exceeded $270,000.
  • More than 40% of all EPL insurance claims are against firms with fewer than 100 employees.

Like most employers, dentists are vulnerable to lawsuits initiated by their employees. In most cases, general liability policies don’t provide EPL coverage. At DBC, we’ve partnered with the United States Liability Company to offer a comprehensive employment practices liability policy specifically designed to help protect your practice.

Our dental providers EPL insurance provides coverage against:

Sexual harassment
Wrongful termination
Defense coverage for allegations of patient molestation

Human resources consultation

If you have a specific question or need personalized assistance, our policyholders are given unlimited access to human resources (HR) consultation by phone or online at no charge. This includes convenient access to an online library of information, forms and articles to assist with your HR needs.

Our helpline can be used for a variety of personnel issues, including:

  • Harassment and discrimination
  • Corrective discipline and termination
  • Wage and hour regulations
  • Family and Medical Leave Act
  • Americans with Disabilities Act
  • Affordable Care Act
  • Access to discounted HR services such as background checks and online HR training modules

Obtain EPL coverage for your practice

DBC will help evaluate your EPL insurance needs and tailor a policy to you.

To begin the process of protecting your practice, simply fill out the attached application and fax to 503-765-3511 or email to dbicquestions@dentistsbenefits.com.

If you have questions, please call us at 800-452-0504. We are here to help!

Employment Protection Applicationpdfs-128

Employment Practices Liability Business Resource Toolspdfs-128

10505 SE 17th Ave
Milwaukie, Oregon 97222
503-765-3510 • 800-452-0504 toll free
503-765-3511 fax • Email us

Dentists Benefits Insurance Company (DBIC) is a property and casualty insurance carrier
that writes professional liability, general liability and property coverage in Oregon, Alaska,
Arizona, Montana and Tennessee.

Dentists Benefits Corporation (DBC) is a full service commercial agency that brokers DBIC
policies and ancillary coverages (e.g. data breach, workers’ comp, disability, life and health).