Employment Practices Liability

The Employment Practices Liability program provides coverage for employment related lawsuits, such as wrongful termination and discrimination, through participation in the Employment Risk Management Authority (ERMA).  ERMA provides $1,000,000 in employment practices liability coverage and additional coverage is available through PERMA’s excess insurer for liability coverage.

ERMA created a 2022-23 biannual letter advising of updates, announcements, and other information the pool believes are of interest to ERMA members. The document also includes a Quick Reference Handbook to provide information regarding the various service offerings, important information regarding AB 1825 and SB 1343 compliance, claims reporting, and contact information for ERMA staff.

ERMA also provides up to $2,500/year to members for reimbursement of employment practices-related trainings as long as funds are available. More information is available on ERMA’s website.

Claims must be reported in accordance with ERMA’s memorandum of coverage. Claim reporting forms are available on ERMA’s website. In addition to reporting to ERMA, claims must also be reported to PERMA at claims@permarisk.giv due to excess carrier reporting requirements.

PERMA members are eligible to receive free legal advice for specific questions related to day-to-day employment issues, leaves of absence, harassment allegations, or terminations.


Eligible: Members that participate in the employment practices liability coverage through ERMA

Service: The Attorney Hotline offers one (1) hour of free legal advice, every month.

Contact: See page 9 of the member assignment list to determine which law firm your agency has been assigned, then use the phone number found on the ERMA website


Eligible: All members (mention you are a PRISM member through PERMA)

Service: Labor Law/Employment Practices Services provides unlimited telephone calls or email communication with Eyres Law Group to answer employment law questions as they arise. Topics can include return to work issues, modified duty and reasonable accommodations, leave of absence management and tracking, harassment and retaliation prevention, discipline, policy enforcement, and other employment law issues.

Contact: Patricia Eyres, Eyres Law Group, peyres@law.com or (602) 488-4051

For program documentation not listed below, please contact ERMA directly.