We were recently asked if we had ever come across coverage for unintentionally hiring illegal aliens. Our client had been approached by a customer that hires employees in different locations on short notice, and typically has high turnover. The employment procedures are designed to prevent this, but errors in the employment process were possible.
We have a number of markets that will provide coverage for immigration claims on a limited basis via endorsement on Employment Practices Liability Insurance (EPL). The idea is to provide limited coverage for unintentional employment errors, such as incomplete verification that may result in violations of the Immigration Reform Act.
While your customer may never have a need for coverage from unintentionally hiring illegal aliens, you should know the coverage is available for many accounts.