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EPLI, Professional Liability & Cyber Liability Insurance

Infinite Risk Management provides a portfolio of liability coverages beyond General Liability to protect you against exposures that come with running a business today.

Employment Practices Liability Insurance

No industry or company is immune from allegations of workplace discrimination, harassment, wrongful termination, and other employment-related claims. Even those with best practices in place can find themselves facing a lawsuit. An expensive payout may be the outcome if the company is found liable. Even if the company is exonerated, legal bills can be crushing.

This is why Employment Practices Liability Insurance (EPLI) is so critical. It covers legal fees, settlements and damage awards resulting from employee claims of misconduct against your company’s employees and managers.

In addition to having EPLI coverage, it’s also important to mitigate issues from the outset by educating managers and employees. Create effective interviewing and screening programs to avoid discrimination in hiring. Communicate corporate policies to ensure universal understanding. Have a path for employees to take if they are the object of harassment or discrimination by a supervisor. Document everything that occurs by company personnel and have policies in place to prevent and solve employee disputes in-house.
The team at Infinite will secure an EPLI policy that addresses your specific business and industry. We can also assist you with your employee handbook, loss control, and claims management.

When Mistakes Happen: Professional Liability Insurance

As part of a comprehensive insurance portfolio of products, businesses that provide professional services should purchase Professional Liability coverage. This policy protects against allegations of financial damage due to an error, omission, or negligence in the performance of their professional services. The policy pays the costs to legally defend a claim and a settlement or judgment up to its limit.

A Professional Liability policy must be designed to address your business and industry exposures. This includes having the right liability limits and the definition under which circumstances your insurance will respond. At Infinite, 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 provide.

Cyber Liability Insurance

Cyberattacks are commonplace today, with hackers targeting large, midsize, and small companies with data breaches, phishing tactics, social engineering, and ransomware to wreak operational havoc and benefit financially. Combine these exposures with employee negligence – lost laptops, mistakenly exposing private identity information, and other acts – and the cyber landscape for today’s business is quite complex.

At Infinite, we partner with leading insurers to offer cost-effective, customized Cyber Liability solutions that respond to ever-evolving situations that can potentially compromise a company’s customer and employee data, shut down an operation, and harm a firm’s reputation.

Cyber Liability insurance can be designed to cover the costs that come with a breach, such as the need for a forensic analysis of your data and systems, notification to all affected parties, credit monitoring, crisis management and PR, business interruption as a result of the breach, regulatory investigation and fines and penalties, and legal defense and liability should you be sued by a third party. A policy can be designed to include ransomware and social engineering, too.

Our staff will review your exposures and determine the right policy for your organization.

We Help Shape Your Risk Readiness

At Infinite Risk, we lean into risk, knowing it’s an integral part of success and growth. We help clients manage risk through customized solutions, education, and insights so they are well prepared as they head into tomorrow. We are ready to do the same for you.

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