We can all agree the dental industry has changed a lot during and post-Covid and continues to do so. Many people retired or sold their practices and are independent contractors. With the industry changing, we often get asked by the building owners to remove all coverages they no longer need since they are just the building owner and are leasing it to someone else.

Do I still need Employment Practices Liability Insurance? I don’t have any employees.

Answer - YES!

Employment Practices Liability Insurance, often referred to as “EPLI,” is most often thought of as protection against an employee for things like wrongful termination, discrimination, sexual harassment, etc. But, potential tenants can also present the need for 3rd party EPLI coverage to address this exposure.

Examples of how tenants can bring Employment Practices Liability Insurance threats can include the following:

• Disallowing a service animal for a disabled resident
• Seeking applications aimed at certain classes due to things like criminal background, DUIs, etc.
• Being accused by a tenant of sexual harassment
• Discrimination for refusing to rent available property to an applicant of a certain religion or race

If you own your building and lease it out, it is important to speak with your insurance agent regarding the type of occupancy of your building. For example, is it classed as a dental office, and now you are renting it to a beauty salon? Have you changed the building to have an office downstairs and a residential apartment upstairs?

Knowing your tenants and the responsibilities of the landlords versus the tenants are very important when considering your insurance needs. Speak to your agent today, and if you own your building, make sure your Employment Practices Liability Insurance includes 3rd party coverage for this type of building owner exposure.

For more information call  us at (877) 732-4748, or receive a quote by filling out our online Quote Form.