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Employment Practices Liability - Worker's Compensation

ARM Multi Insurance Services' business insurance program created exclusively for CH&LA members is designed for the hospitality industry and covers a majority of the exposures that you may face as an employer, including employment practices liability and workers compensation benefits. Here is a summary of coverages available to you,

  • Employment Practices Liability Insurance (EPLI) covers the cost to defend yourself from lawsuits by your employees. Even if you run a boutique hotel, or feel like your employees are almost family, know that you are at risk from the financial impact of a lawsuit from your current, previous, and prospective employees for everything from discrimination and wrongful termination to emotional distress or failure to comply with the Americans with Disability Act. Click here for more information.

  • Employment Practices Liability Insurance - Third-Party Enhancement
    The typical EPLI policy purchased by a hotel operator covers claims for wrongful conduct against his or her employees or applicants for employment. In addition to these claims, a hotel owner is especially vulnerable to claims made by guests and other non-employees alleging harassment or discrimination by hotel staff. Standard EPLI forms do not cover this additional exposure.

    Sequoia offers an endorsement to its EPLI coverage to add protection against third-party claims. With this endorsement, you are covered if your guests, clients, vendors, suppliers and other visitors sue you for:

    • Discrimination against a legally protected class
    • Harassment against a legally protected class
    • Disability-based discrimination under the ADA

    (Legally protected classes include race, color, religion, age, sex, disability, pregnancy, sexual orientation, or national origin)

    For the hospitality industry these types of claims can occur despite a well-trained staff and posted rules:

    • The hotel is accused of discrimination after declining lodging to an individual belonging to any legally protected class.
    • A customer sues for harassment after perceiving that they were spoken to in a belittling way by hotel staff.
    • The hotel is accused of racial discrimination requiring a cash deposit of guests of a certain ethnic group to pay a cash deposit (rather than paying with a credit card as is asked of other guests).
    • A claim that the hotel failed to provide for a disabled guest in violation of ADA regulations.

  • Workers' Compensation protects your people in case they are injured on the job and need salary replacement, medical treatment, and vocational rehabilitation. Beginning with your first hire, the law requires you to have a workers comp policy in most states.

Insurance programs are underwritten by "A- or higher" rated carriers to ensure financial security and franchisor compliance.
Administered by ARM Multi Insurance Services & Sequoia Insurance Company.
CA License #OC73841

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