AIG policy protects against domestic workers' allegations. (Property/Casualty).

AIG Private Client Group, a division of American International Cos., offers employment practices liability coverage that protects individuals against allegations of sexual harassment, wrongful termination and discrimination made by nannies, housekeepers, gardeners, personal assistants and other domestic help employed by the insured.

According to the Bureau of Labor Statistics, there are nearly 1 million people employed in private residences across the United States. New laws have been enacted protecting the rights of the employee, and employment-related complaints and jury awards have dramatically increased.

While employment practices liability insurance has been an important coverage for businesses for many years, AIG Private Client Group is now pioneering the application of this coverage to address the employment practices exposures facing high-net-worth individuals.

The employment practices liability coverage is offered automatically to AIG Private Client Group excess liability policyholders. The policy provides coverage of up to $250,000 for settlements and judgments awarded as a result of employment-related allegations, as well as the full cost of defense. Coverage is provided for up to five employees, including parttime employees, working more than 15 hours a week. In addition to employment practices liability coverage, MG Private Client Group excess liability policyholders also receive the Employment Crisis-Fund, which provides up to $25,000 to cover the fees of an approved public-relations firm to help policyholders minimize damage to their reputation.

AIG Private Client Group offers families with private staff further protection through workers' compensation insurance and access to pre-employment background checks.

The insurance product offerings include automobile, homeowners, private collections, excess liability, kidnap and ransom, aviation and watercraft coverage.