WORKFORCE
Protection when an employee claim becomes a lawsuit.
Covers defense costs and settlements for wrongful termination, harassment, discrimination, and retaliation claims.
- WHO NEEDS IT
- Any employer with 50+ staff
- LIMITS
- $1M–$5M typical
- HR HOTLINE
- Included with most carriers
- WAGE + HOUR
- Optional defense sublimit
WHAT'S COVERED
- 01Wrongful termination. Claims that a firing broke the law or contract.
- 02Harassment and discrimination. Claims from employees or applicants.
- 03Retaliation. Claims after complaints or leave.
- 04Third-party claims. Harassment claims from customers or vendors.
COMMON QUESTIONS
- Doesn't general liability cover this?
- No. General liability excludes employment-related claims.
- Does our handbook affect the premium?
- Yes. Documented policies and training often lower rates.
- Can I bundle this with other coverage?
- Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
- Does Worklio payroll help?
- If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.
WHAT AFFECTS YOUR PRICE
- 01Headcount and turnover
- 02Terminations in the last 12 months
- 03HR practices and handbook
- 04Prior employment claims
HOW WE QUOTE IT
APPLICATION
ACORD 125 + carrier supplement
WHAT TO HAVE READY
- Employee handbook
- Headcount by state
- Prior claims, if any
On Worklio HCM? Payroll and headcount data are pre-filled.
WHO USUALLY CARRIES IT
- Senior careRECOMMENDED
- HealthcareRECOMMENDED
- Behavioral healthRECOMMENDED
- Dental + veterinary groupsRECOMMENDED
- Auto dealer groupsRECOMMENDED
- Franchise groupsRECOMMENDED
- StaffingREQUIRED
- Facility servicesRECOMMENDED
- RestaurantsRECOMMENDED
- HotelsRECOMMENDED
- Education + childcareRECOMMENDED
- NonprofitsRECOMMENDED
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
