Employment Practices Liability Insurance

Employment practices liability insurance is critical to a company's insurance program!

Employment Practices Liability Insurance: Protect Your Business from Employee Lawsuits

Your business may already have coverage for general liability, professional liability, commercial auto, and property insurance—but is it protected against claims from your employees?

Employment Practices Liability Insurance (EPLI) offers critical protection against employee-related claims such as wrongful termination, discrimination, sexual harassment, and retaliation. As workplaces become more complex and litigious, EPLI has become essential for companies of all sizes.

What Does Employment Practices Liability Insurance Cover?

EPLI provides coverage for a range of employee claims, including:

• Wrongful termination – When an employee alleges they were fired without just cause.

• Breach of employment contract – If a worker claims their employment agreement was violated.

• Inadequate HR policies – Lawsuits resulting from outdated or improperly enforced workplace policies.

• Harassment and discrimination – Including claims based on gender, race, age, religion, or other protected categories.

• Retaliation – Allegations that an employee was punished for reporting misconduct or asserting their rights.

These claims can come from full-time employees, independent contractors, or volunteers. EPLI helps cover the costs of legal defense, settlements, and court-awarded damages—expenses that can otherwise devastate your bottom line.

Is Employment Practices Liability Insurance Right for You?

Ask yourself:

• Do you employ staff—or plan to grow your team?

• Do you rely on internal or outsourced HR personnel?

• Do you have an up-to-date employee handbook with HR policies?

• Do you work with contractors or volunteers?

• Has your legal advisor recommended EPLI coverage?

• Have businesses in your industry faced similar lawsuits?

If you answered "yes" to any of the above, Employment Practices Liability Insurance is a smart, proactive move.

Research EPLI Today!

Our experienced team is ready to assess your needs and provide a tailored EPLI proposal. We'll outline what's covered and offer options to protect your business against employment-related risks.

Don't wait until a claim happens—contact us today for your free consultation and quote.