Winters Oliver Insurance Agency

Employment Practices Liability Insurance

New Risks

When you think of business insurance, things like general liability, property insurance, and workers compensation typically come to mind. While these coverages are still very important, and required by law in some cases, modern times present new risk exposures to business owners.

  • Are you financially prepared to handle a wrongful termination or discrimination suit?
  • Do you follow the same hiring/firing procedures consistently among all employees?
  • Are you up-to-date on recent employment legislation?
  • Have you ever considered being involved in a lawsuit because you did not hire a job candidate due to an unsatisfactory background check?

If you are a small business, chances are you answered "no" to these questions and that's okay. Winters-Oliver can help you answer "yes" to these questions by providing a password protected human resources site tailored to your business. We can further protect your business by offering Employment Practices Liability (EPL) Insurance so you can financially weather the storm if a claim materializes.


Winters-Oliver is a specialty insurance agency offering property & casualty insurance and employee benefits to small and middle market businesses.