Dental Offices Insurance
Employment Practices Liability Insurance
for Dental Offices
Dental practices employ hygienists, assistants, front desk staff, and billing personnel — a small but diverse team where employment claims can arise. EPLI protects you from lawsuits alleging wrongful termination, discrimination, or harassment from current or former employees.
Industry-Specific Insight
Why Dental Offices Businesses Need Employment Practices Liability Insurance
Dental practices employ hygienists, assistants, front desk staff, and billing personnel — a small but diverse team where employment claims can arise. EPLI protects you from lawsuits alleging wrongful termination, discrimination, or harassment from current or former employees.
Coverage Details
What Employment Practices Liability Insurance Covers
Key protections included in a employment practices liability policy for dental offices operations.
FAQs
Common Questions from Dental Offices Businesses
Do small dental practices need EPLI?
Yes. Employment claims happen at practices with 2 employees as readily as at large clinics. The cost of defending an employment lawsuit can exceed $50,000 even in cases without merit.
Does EPLI cover ADA accommodation disputes with employees?
Yes. Failure to accommodate disability claims under the Americans with Disabilities Act (ADA) are covered by employment practices liability insurance.
Aren't I already covered by general liability?
No — employment-related claims are specifically excluded from general liability policies. EPLI is a separate, specialized policy designed specifically for the employment relationship. Most businesses with even a handful of employees should consider it.
Does EPLI cover wage and hour violations?
Standard EPLI policies typically do not cover wage and hour class action claims under the Fair Labor Standards Act (FLSA). Some carriers offer a limited endorsement. It's an important detail to review. A licensed agent can explain what's included and what's excluded.
Complete Coverage
Other Coverages Dental Offices Businesses Commonly Need
A complete protection plan for dental offices operations typically includes several complementary coverages.
Dental Offices · Employment Practices Liability
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