Why is it needed? In 1991, the Civil Rights Act was amended to allow juy trials and multiple damage awards. This prompted a flurry of legal activity that continues to increase today. In 1992, the American with Disabilities Act added additional causes of action and broadened the scope of "protected classes" of employees. Public awareness of these laws has increased dramatically as huge jury awards and high profile cases such as the Paul Jones case regularly make headlines. Today, many businesses consider EPL Insurance as necessary as Property, Workers Compensation and other traditional coverages.

EPLI from Firemen's Fund offers broad protection against these types of claims including:

• Wrongful termination, including constructive discharge
• Harassment, coercion, humiliation or discrimination
• Refusal to employ an applicant
• Failure to promote, wrongful evaluation, discipline, or reassignment
• Libel and slander, and other Personal Injury offenses

Firemans Fund offers a wide range of limits and deductibles to meet your specific needs.

Loss Control An important part of EPL protection is the loss control services offered by the carrier. Fireman's Fund has teamed up with the Council on Education in Management, the nation's leading authority on human resource and employment law, to provide superior EPL loss prevention services. As a Fireman's Fund EPL insured, you receive, at no additional cost, the following services from the Council:

• Access to the Council's HR Helpline - fast, confidential answers to the toughest HR questions;
• Management's Guide to Essential HR Functions (this 335-page guide brings sense and order to the chaos of employment law).
• You will also receive a federal law workplace poster guideline that takes the guess work out of legal posting requirements and a 10% discount on the rest of the Council's entire array of employment practices conferences, training and publications.

We invite you to contact us for more information about this and other executive protection products.