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As the national economy continues to deteriorate, an unparalleled number of businesses have been financially devastated, many to the point of closing operations. Others are faced with the unpleasant realization of mass layoffs. The U.S. Labor Department recently reported 21,137 mass layoffs occurred in 2008, resulting in the termination of more than 2.1 million workers. As employers analyze the advantages and disadvantages of mass layoffs, it is essential they familiarize themselves with the legal ramifications associated with these decisions and how they can better protect themselves. You can help your clients protect themselves by offering Employment Practices Liability Insurance. With industry specific policy forms for staffing, Professional Employer Organizations and Lawyers, Empower also offers programs specifically for Health Clubs, Agricultural Risks and Contractors. We offer one of the most comprehensive policy forms in the EPL market place. We are an A rated carrier, with underwriters at Lloyds paper. We can offer $150,000 Wage & Hour Defense Sub Limit and a $150,000 Illegal Alien Defense Sub Limit. Are you "Empowered"? For information contact: Elizabeth Ready Ph: 415-778-0310 x333 Email: eready@sociusinsurance.com - Employment Practices Liability written through Lloyds of London for all sized risks. For information on EPL contact: Lisa Masa Ph: 415-778-0310 x349 Email: lmasa@sociusinsurance.com

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