AVMA PLIT has expanded its employment practices liability (EPL) insurance policies to include standard coverage of four less common risks.
The enhancements, introduced in September, are:
- Workplace violence: Up to $100,000 for fees and expenses incurred in connection with a workplace violent act, such as “if a practice owner or employee is the victim of deadly force or the threat of deadly force via display of a lethal weapon,” AVMA PLIT stated. “Expenses may include a security consultant, PR consultant, counseling, security guard service and forensic analysis, depending on the situation.”
- Immigration: Up to $100,000 in defense costs arising from claims of a violation of the Federal Immigration and Nationality Act.
- Crisis event expenses: “Crisis events usually occur if an executive is involved in wrongful employment practice and the situation will likely result in a claim,” AVMA PLIT stated.
- Diversity training: Costs for diversity sensitivity training if a veterinary practice is obligated to conduct it after a claim.
The enhancements are part of EPL policies underwritten by CNA Insurance. Previously covered were claims of discrimination, sexual harassment and wrongful termination.
AVMA PLIT offers personal and business insurance products to American Veterinary Medical Association members.