CAMICO announces new EPL program.

CAMICO is rolling out an Employment Practices Liability (EPL) insurance program in response to a growing demand from CPA firms for insurance protection, human resources advice and legal services. As federal, state and local employment laws proliferate, firms of all sizes are increasingly vulnerable to EPL claims and litigation.

Non-discrimination laws alone cover age; gender, sexual orientation; physical or mental disability; medical condition; pregnancy; physical appearance; religion or creed; national origin or ethnicity; and race or color. And there are exposures from other allegations, such as harassment; wrongful termination; breach of contract; retaliation; slander or defamation; and failure to hire, train or compensate fairly.

CAMICO's EPL insurance program provides defense and indemnity coverage for full-time, part-time and contract workers. It also includes third-party coverage that protects the firm if an allegation is made by a client's employee against the firm's employee working on site with a client.

Firms with fewer than 10 employees qualify for CAMICO's value program, which provides a limit of $100,000 per claim and $100,000 in aggregate. The standard program provides firms of all sizes with limits of up to $1 million per claim and $2 million in aggregate. Deductibles range from $5,000 to $25,000.

Other benefits included in the EPL insurance program:

* Significant financial incentives to encourage early reporting of incidents;

* Direct access to a specialist who will personally advise and assist policyholders; and

* An online resource that puts HR tools at the policyholder's fingertips, including employee handbooks, job descriptions, policies and procedures.

For more information and an application, visit www.camico.com/epl.