“We don’t sell insurance, we sell the Shared Liability solution”

“In addition to the Human Resources Management we offer you’ll get more time to focus on your market, better administrative practices and a strategic partner that works to give you peace of mind every single day.”

Quality EPLI insurance and first-rate EPLI coverage has become a necessity for companies in today’s challenging economy. Nevertheless, when Total HR Management broaches the subject of Employment Practices and Liability Insurance to potential client companies, the same explanations and excuses are expressed again and again:

Your Company: “We don’t need to worry about EPLI problems because we’re like a big family here!”

Total HR’s Response: “When things don’t go well, the break up will be hard and very expensive. Attorney fees can sink a company.”

Your Company: “We are a small or mid-sized company so the chance of an EPLI problem happening is slim to none. EPLI insurance problems happen to big corporations, not to us.”

Total HR’s Response: “You need to know the facts about EPLI claims and EPLI cases in America. Companies with 500 employees or less comprise 70% of EPLI cases and companies with 100 employees or less actually comprise 40% of EPLI cases. In truth small to mid-sized companies are at a greater risk.”

Your Company: “Sure, EPLI coverage would be great, but it’s just too expensive. We can’t afford an Employment Practices Attorney.”

Total HR’s Response: If you think you can’t afford EPLI coverage or an Employment Practices Attorney, think again. By joining forces with Total HR, you are covered for a greatly reduced rate under our shared liability plan. By pooling the companies we work with as a PEO, we save you money while providing quality resources.”

If you are going to make the right decision about EPLI insurance and obtain the right EPLI coverage for your business, you have to be aware of the facts. After all, information is power, and the facts are evidence of what is really happening today. As of May 1, 2008, the Equal Employment Opportunity Commission had a backlog of over 100,000 discrimination complaints and the average complaint took more than a year to handle. In 2009 over 12,000 complaints of sexual harassment were filed. Settlements for cases exceeded $50 million, and the defense and lawyer costs were several times this number (http://www.eeoc.gov/eeoc/statistics/enforcement/ ). Through legislation like the Americans With Disabilities Act and the Family Medical Leave Act, Congress has created new grounds for employers to be sued.

In the current economic climate, not only are EPLI claims increasing, but also so is the potential financial risk to your company if you are not covered with quality EPLI insurance. The potential cost of a discrimination claim can threaten the future viability of your business. Most importantly, employee-related claims are on the rise, and these EPLI claims include a number of different issues, including:

• Sexual Harassment and Discrimination
• Wage Disputes and Hourly Disputes
• Wrongful Termination and Breach of Contract
• Negligent Promotion and Negligent Supervision
• Emotional Distress and Invasion of Privacy

In response to the escalation in EPLI litigation and the financial risk to small businesses for EPLI claims, Total HR offers our PEO partner companies’ expertise and experience in relation to Employment Practices Liability and finding the best in EPLI third-party coverage. By pooling our power, Total HR is able to negotiate an EPLI program that makes sense for your company. The Total HR shared liability solution can and will work for you.

Let’s face the simple truth — if you already have an EPLI case underway, it is already too late. The Total HR strategy is to help you now before it’s too late! The truth is that even frivolous EPLI cases that are filed increasingly by frustrated and desperate plaintiffs can still cost a boatload to resolve, particularly in terms of attorney fees and hours of constructive time lost. Finally, if you are a non-profit with no EPLI Insurance, you are an accident waiting to happen. Protect the future of your mission and your cause by coming in and consolidating your risk within the Total HR approach of shared liability. The Total HR goal is to allow our clients to work on their business, expanding their profit margins and increasing success, as opposed to becoming lost in the taxing minutiae of the business.

Total HR offers our clients the insurance, the solutions and the support to get through any EPLI claim. If you are a start-up company, you can increase your level of external investment by obtaining EPLI insurance. From an investor perspective, EPLI coverage from Total HR protects their investment from the poor hire, the poor fire, and the general mismanagement that happens in the context of a start-up.

If you have come to realize that your company needs EPLI insurance to protects its future, then its time to contact Total HR and talk to an advisor with experience and expertise. What Total HR offers is a “value added” approach. Since working with us it comes with so many other great value added services, your company essentially would be getting EPLI at little or no additional cost.