Portfolio of Business Insurance Coverages

Western Republic Insurance Services provides businesses with management liability coverages to protect the financial well-being of the firm and its leadership. We partner with leading insurers to provide you with sound, flexible products in managing your most challenging exposures supported by superior service.

Employment Practices Liability (EPLI)

Even businesses that promote inclusion and diversity with best practices in place experience allegations of discrimination, harassment, and other employee-related claims. EPLI insurance is designed to cover legal fees, settlements and damage awards that result from employee claims of misconduct against your company’s employees and managers. The type of EPLI claims include: 

  • Hostile work environment

  • Workplace harassment 

  • Sexual harassment (employees, third parties, clients, vendors, or independent contractors)

  • Discrimination (age, race, gender) 

  • Wrongful demotion or termination

  • Failure to employ or promote

  • Claims from prospective employees/applicants

  • Wage and hour (FLSA) 

  • Family Leave Act (FMLA)

Directors & Officers (D&O) Liability

All types of organizations and their directors and officers are susceptible to personal liability actions from a number of areas. A competitor may sue management for fair trade practices, restraint of trade, and trade secret violations. Creditors, customers, suppliers/vendors, and regulators can also take legal action against management.

D&O insurance provides protection for allegations of mismanagement, failure to perform, and other management liability issues that cause economic or financial injury. Coverage is available to protect the executives’ personal liability and the entity’s obligations to indemnify its key managers for the cost of investigations and legal defense as well as settlements offered or judgments awarded for claims.

Professional Liability/
Errors & Omissions (E&O)

Businesses that provide professional services (such as design-build consulting) should have Professional Liability/E&O coverage as an integral component of their insurance program. An E&O policy protects against liability as a result of a claim for an error, omission, or negligence in the performance of their professional services. The policy covers defense costs and a settlement or judgment (up to the policy limit) if you’re found responsible for financial damage to the claimant due to the rendering of services.

It’s not only important to have this coverage, but to ensure that the coverage is tailored to your industry and operation, including your liability limits and the definition under which circumstances your insurance will respond. At Western Republic, we take the time to truly understand your operation and tailor a policy that protects you against the exposures you face in the course of performing the services you offer.

We also provide Commercial Property, Cyber Liability, and Crime insurance.

We’re Ready to Help

We’re here to take care of your insurance needs and protect you from risk, and looking forward to hearing from you.  Contact us today to go over your insurance program.