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Owner Operators contracted with a Motor Carrier

• 1-25 Lives (25+ Home Office Quote)
• 4 Plans to Choose From
• AME from $300,000 to $2.000,000
• Rates for Box and Non-Box
• Hernia & Hemorrhoid Coverage
• Survivor Benefits
• Contingent Liability available for 10+ Lives

Insurance Questionnaire can be downloaded here

• Pays first-dollar cash benefits directly to insured's (unless they direct otherwise) without deductibles or co-payments in addition to other insurance coverage's.
• Allows the insured to spend the money as they think will best meet their families' needs.
• Helps benefit dollars go further by offering access to reduced rates from a nationwide network of premium physicians, hospitals and medical centers.
• Provides the ease and savings of buying affordable coverage with pretax payroll deductions.
• Offers coverage for spouses and dependent children
• Provides Value-Added Benefits such as prescription, vision, dental, lab and imaging. Accident Medical Expense and other benefits.

Open the attached brochure below or visit www.employersmedcare.com for more information.

EMC-Information

EPL Defense Shield – Frequently Asked Questions
If You’ve Ever Thought: “That Only Happens in Large Corporations”….Think Again!

Here are some frequently asked questions that will help you better understand EPL Defense Shield, our new solution for employers with 25 or fewer employees.

What is EPL Defense Shield?
EPL Defense Shield is an insurance policy that provides coverage for the costs to defend an employment practices liability (EPL) lawsuit, which typically contain allegations such as harassment, wrongful termination, or discrimination.

Why Do Small Companies Need EPL Expense Coverage?
Every aspect of the employment relationship can give rise to an employment claim – from interviewing to post-termination referrals. Being a small company doesn’t offer immunity from these claims.

What is a “Defense Cost Only” Policy?
A “defense cost only” policy is specifically meant for the small business that has forgone the purchase of a more expensive, traditional EPL product. EPL Defense Shield offers cost-efficient protection against the only known expense present in all lawsuits, regardless of merit: attorneys’ fees to defend a claim.

My clients strictly follow their Human Resources policies. Why should they consider this coverage?
Companies can be sued for employment practices claims, even if they did nothing wrong. The sad fact is that more than 60 percent of all charges filed with the EEOC in 2006 were found to have “No Reasonable Cause,” but the claims still have to be defended. The costs to defend even groundless claims can be devastating – even if the company wins.

Who is covered under an EPL Defense Shield policy?
In addition to the corporate entity, insureds include any past, present, or future directors, officers, trustees, or governors and employees.

What is considered a “Wrongful Employment Act” under an EPL Defense Shield policy?
Generally, any actual or alleged wrongful termination (including an act of retaliation), wrongful failure to employ or promote, negligent supervision of hiring, harassment, and various forms of discrimination are considered a wrongful employment act under an EPL Defense Shield policy.

My client is an employer with only 12 employees. Since Title VII does not apply to their company, why should they buy an EPL Defense Shield policy?
There are still many state laws that govern the requirements of employers with fewer than 15 employees. In addition, there are cases that have resulted in such smaller companies unknowingly becoming exposed to Title VII liability (Arbaugh v. Y & H Corp., dba The Moonlight Café, 546 U.S. 500 (2006).

My client is considering buying an EPL Defense Shield policy. Where do I get an application?
Please contact Employer's Comp Associates, Inc. or your agent for the one page EPL application.

What does it mean when coverage is written on a surplus lines basis only?
Generally speaking, the policy comes from a surplus lines carrier as opposed to an admitted carrier in a particular state. Certain state-enforced protections found on admitted policies are generally not applicable to policies written by surplus lines carriers. In addition, the insured must pay a surplus lines tax on the policy.

How much does the policy cost? What is the limit of liability and retention?
An insured’s premium amount will depend upon exactly how many employees it has and which coverage level it selects. The chart attached shows premium amounts for the various coverage levels available.

To learn more about EPL Defense Shield or other AIG products, please contact us at 800-299-5250.

Benefit Sheet Information