Most would
agree that we live in a litigious society. The best way to protect
ourselves is through the use of liability insurance; professionally
to protect us from possible business errors, and personally to protect
our homes and families in the event of an accident that may result
in a legal suit. Not many of us think about the need for insurance
with the people that work and may live in our homes – the
nannies, housekeepers and others that many employ as domestic staff.Employment
Practices Liability (EPL) provides policyholders who employ 5 or
fewer residential staff with insurance for claims alleging wrongful
termination, sexual harassment and employment discrimination. It
also includes coverage for reputational injury to provide PR assistance.
These claims are not covered under a traditional liability umbrella
or homeowners coverage.
 For
the moment, the coverage is available to current Chubb customers
in Connecticut (and a few other states) who currently have personal
liability insurance totalling $5 million or more, and staff members
working 15 hours or more per week. They plan on offering this in
all states in the near future.
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DO contact your insurance company.
DO get the license plate numbers of all other vehicles
involved.
DO get drivers' names, addresses, telephone numbers and
insurance information.
DO get names and telephone numbers of potential witnesses.
DO summon the police when appropriate.
DO seek medical attention immediately if you may have
injuries, even if you are not in pain.
DON'T engage in discussions about fault with anyone
DON'T apologize for anything; it can be considered evidence
that you were legally at fault.
DON'T move your vehicle after an accident unless needed
for safety or require by law.
DON'T leave the scene of an accident until the police
tell you it is okay to do so.
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