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Avoid Big Traps
Pay & Benefits
EPLI — Employment Practices Liability Insurance
EPLI is an abomination to society, and is a travesty to our rights, and is against public policy, is truly unconscionable, and our “Family-Friendly” Missouri Legislature allows it
Can you think of any type of insurance that “protects” a wrongdoer who engages in INTENTIONAL wrongdoing? Welcome to EPLI. The employer INTENTIONALLY violates the law, and then collects money for doing so.
I can’t think of any other insurance product that specifically exists to compensate for INTENTIONAL wrongdoing, other than EPLI.
EPLI is toxic and evil stuff that must be banned – it does bad things for the common working people. We have the raw power to crush this poison, with a LOT of work — But do we have the “Family-Friendly” governmental will? Read on.
Most often, employment law cases are all-about proving INTENTIONAL law violations. Should employers be able to get insurance for intentional violations of the law? I would bet you answer “No”. Well, your Missouri Legislature allows it. SURPRISE! (Are they really “family friendly” as they claim?)
Do you think your auto insurance would compensate you for getting angry one day and saying: “I’m going to kill you”, and then you drive your car into your enemy’s car, destroying your own car and his, and killing him in the process, and then you go to prison — What compensation should you get?
Would it be better to allow insurance for this type of INTENTIONAL wrongdoing, or would it be better not to allow such insurance? The answer is clear. — While that may not be the best analogy, I think it gets my point across.
Another example: Do you think a food company would get compensation from its insurance company if the prosecutor proved that the executives sat around and planned a scheme to make money by substituting cheap poisonous ingredients for expensive FDA-approved ingredients, and lying about it to the FDA? The answer is no.
Insurance is for accidents and unforeseen events, except permanent life insurance which pays even at natural death.
I used to be in the insurance business and I have a deeper understanding of the insurance business than most people that I speak with — I cannot think of any type of insurance that specifically exists to cover INTENTIONAL law violations, other than EPLI — It is unconscionable that we as a society of goodwilled people allow EPLI to exist. FYI “Unconscionable” is a legal term that basically means “this is too bad for us to tolerate”.
Here is the way most EPLI policies work:
Here is what needs to happen:
Article written by | Tim Willoughby
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Timslaw.com Missouri Employment Law
Maintained by Attorney Phil Willoughby
Phil is a Missouri employment lawyer who is licensed to practice in Kansas and Missouri, and primarily takes cases in Saint Louis and Kansas City. He is a member of the Missouri Bar Association and Kansas Bar Association. Additionally, he has practiced in the United States Federal Courts of Missouri in St. Louis and Kansas City. He has also practiced in the Kansas Federal District Court in Kansas City, Kansas.
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