These are questions often asked when the
Safe at Work Policy is first introduced. Additional questions are welcome and may be added
here, and help to shape the policy itself.
What is Employment Practices Liability Insurance?
How are we defining sexual harassment?
Could the Safe at Work Policy address other workplace violations?
Absolutely. EPLI also covers workplace discriminition, including sexism, racism, ageism, and other related prejudice behaviors. The Safe at Work Policy can broadly address issues based in workplace prejudice.
Why does insurance coverage currently function in this way?
Insurance policies are built with the "duty to defend" in mind. The process of defending a company has historically been pursued with the beneficiaries of that defense being the management and shareholders (those who make money from the business) of a company. However, capitalism is evolving. It has become clear that businesses which center stakeholders (including shareholders, employees, its customers and community, the environment and the future) are more successful, making better corporate citizens and more profit. The data supporting this evolution of capitalism also necessitates a realignment of insurance policy practices, to support the new priorities of clients.
How will the Safe at Work Policy change the workplace?
The policy will create a safer, more respectful workplace. By purchasing this coverage, a corporation is promising its employees, its recruits, and its customers that it values employee well-being above all else. With this assurance, employees can develop a deeper trust and pride with an employer, and employers can expect less attrition, higher quality work from employees, and stronger recruiting capabilities. All of these benefits translate into increased earnings for a company - with the Safe at Work Policy, doing the right thing is also doing the profitable thing.
The Safe at Work Policy mentions 'Exclusion 3(1)' - what is that?
Exclusion 3(1) refers to the section of an employer's policy specifically addressing sexual harassment. Insurance companies claim that 3(1) effectively isolates harassers and excludes them from coverage, but clearly, it isn't working - workplace harassment continues to plague workers.
Have a question that was not addressed here?
Reach out to info at safeatworkpolicy dot com with questions, and we'll do our best to respond quickly.
If I am concerned that speaking up may put my employment at risk, is there anything I can do to get involved?
If your job may be at risk by spreading awareness among your coworkers, you can speak to members of your community instead. Our goal is to make it known that currently, insurance works against those who have experienced workplace sexual harassment and assault. If you can help by building awareness of the problem and of this practical solution, then you will be part of this collective movement that reaches decision makers.