Commercial Insurance
Employment Practices Liability Insurance
Employment practices liability insurance (EPLI) protects businesses from claims brought by current, former, or prospective employees alleging violations of their employment rights. Claims of discrimination, sexual harassment, wrongful termination, retaliation, failure to promote, and wage and hour violations are among the most common — and expensive — legal actions facing businesses today. Even an unfounded claim can result in significant legal fees. EPLI helps protect your business from the financial consequences of these allegations and provides access to legal defense resources.
What Employment Practices Liability Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Discrimination claims based on race, gender, age, disability, religion, or national origin
Sexual harassment and hostile work environment allegations
Wrongful termination claims by former employees
Retaliation claims from employees who reported misconduct or filed complaints
Failure to hire or promote claims from applicants or employees
Breach of employment contract allegations
Who Often Explores Employment Practices Liability Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Small and mid-sized businesses with employees at any stage of growth
Companies that have experienced rapid hiring or significant workforce changes
Businesses in industries with high employee turnover or a history of claims
Employers who don't have a dedicated HR department or formal policies in place
Any business owner who wants protection against the financial cost of employment-related claims
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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