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Church Employment Liability Insurance

Protect Your Ministry with Church Employment Liability Insurance

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Churches strive to create a welcoming and supportive environment, but employment-related disputes can still arise. Employment Practices Liability Insurance (EPLI) serves as a critical safeguard, protecting churches from potential lawsuits stemming from wrongful termination, discrimination, harassment, and other workplace conflicts. Ensuring your church has the right coverage is essential for maintaining financial stability and legal compliance.

Why EPLI is Essential for Churches

Even with certain doctrinal protections, churches are not exempt from employment laws. Employees and staff members are protected under laws such as the ERISA Act, which governs fair treatment in the workplace. Claims related to discrimination, unsafe work conditions, retaliation, or wrongful termination can lead to costly legal battles. EPLI helps mitigate these risks, providing essential legal and financial protection.

Real-World Scenarios Highlighting the Need for EPLI

Discrimination Case – The Orlando Church Incident

A church in Orlando faced a discrimination lawsuit after terminating a female staff member for performance-related reasons, while retaining a male staff member involved in the same misconduct. The case was settled out of court, underscoring the legal complexities churches may face. Lesson: EPLI coverage helps churches handle discrimination claims while ensuring fair and lawful employment practices.

Wrongful Termination Case – The Florida Christian School

A Christian school dismissed an employee for violating its conduct policies, leading to a lawsuit that ruled in favor of the employee. This case highlights the scrutiny employment decisions may undergo, especially when moral and ethical policies are involved. Lesson: EPLI provides protection against wrongful termination claims, helping churches avoid costly legal consequences.

Harassment Case – The Preschool Smoking Policy

A church-affiliated preschool terminated an employee due to non-compliance with its smoking policy, resulting in a harassment lawsuit. The lack of clear documentation and policy enforcement complicated the church’s defense. Lesson: Clear employment policies are crucial, but EPLI ensures legal and financial protection in cases where disputes arise.

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Safeguard Your Church’s Mission with EPLI

Employment disputes can be costly and damaging, but the right insurance coverage helps your church navigate these challenges while staying focused on its mission. Investing in EPLI is a proactive step toward fairness, compliance, and protection.

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Employment Practices Liability

Key Benefits of Employment Practices Liability Insurance

  • Legal Defense Coverage: EPLI covers legal costs associated with employment claims, ensuring churches are not financially burdened by lawsuits.
  • Affordable Protection: EPLI provides cost-effective coverage, with premiums as low as $200-$220 per year for churches with up to 10 employees.
  • Zero Retention Policies: Selecting a zero-retention policy means no upfront legal expenses, offering immediate financial relief in the event of a claim.
  • Proactive Risk Management: Beyond coverage, EPLI encourages churches to adopt best practices in employment policies, reducing the risk of disputes.

Strengthening Your Church’s Employment Practices

Legal Policy Review: Regularly review employment policies with legal professionals to ensure compliance with evolving labor laws. 🔹 Employee Training: Educate church staff on workplace rights and policies to foster a legally compliant and transparent work environment. 🔹 Tailored Insurance Solutions: Work with an expert like Terry Brown to customize EPLI coverage that fits your church’s specific needs.

Contact Nolan Jackson Today

Explore customized EPLI coverage options and secure your church against employment-related risks.

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