Professional Services Insurance
Employment Practices Liability Insurance
for Professional Services
Professional service firms often have demanding cultures and high employee turnover — conditions that increase the risk of wrongful termination, discrimination, and harassment claims. EPLI covers legal defense and settlements for employment-related lawsuits, which average over $100,000 to resolve.
Industry-Specific Insight
Why Professional Services Businesses Need Employment Practices Liability Insurance
Professional service firms often have demanding cultures and high employee turnover — conditions that increase the risk of wrongful termination, discrimination, and harassment claims. EPLI covers legal defense and settlements for employment-related lawsuits, which average over $100,000 to resolve.
Coverage Details
What Employment Practices Liability Insurance Covers
Key protections included in a employment practices liability policy for professional services operations.
FAQs
Common Questions from Professional Services Businesses
What types of employment claims does EPLI cover?
EPLI covers claims of wrongful termination, discrimination (age, race, gender, disability), sexual harassment, failure to promote, and hostile work environment.
Does EPLI cover third-party harassment claims from clients?
Some EPLI policies include third-party coverage for harassment claims from non-employees like clients or vendors. This is worth confirming when purchasing a policy.
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 Professional Services Businesses Commonly Need
A complete protection plan for professional services operations typically includes several complementary coverages.
Professional Services · Employment Practices Liability
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