Real Estate Agents & Brokers Insurance
Employment Practices Liability Insurance
for Real Estate Agents & Brokers
Real estate brokerages with staff and affiliated agents navigate complex employment relationships where claims for discrimination, harassment, and wrongful termination are real risks. EPLI is especially important given fair housing laws and the relationship between brokers and agents.
Industry-Specific Insight
Why Real Estate Agents & Brokers Businesses Need Employment Practices Liability Insurance
Real estate brokerages with staff and affiliated agents navigate complex employment relationships where claims for discrimination, harassment, and wrongful termination are real risks. EPLI is especially important given fair housing laws and the relationship between brokers and agents.
Coverage Details
What Employment Practices Liability Insurance Covers
Key protections included in a employment practices liability policy for real estate agents & brokers operations.
FAQs
Common Questions from Real Estate Agents & Brokers Businesses
Does EPLI cover claims from independent contractor agents?
Standard EPLI covers employees. If your brokerage has independent contractor agents, coverage depends on how they're classified and the specific policy. Discuss this with your agent.
Are fair housing violation claims covered by EPLI?
Fair housing violations by agents can trigger claims from both clients and regulators. Some E&O policies address fair housing claims — clarify with your carrier whether your program covers this exposure.
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 Real Estate Agents & Brokers Businesses Commonly Need
A complete protection plan for real estate agents & brokers operations typically includes several complementary coverages.
Real Estate Agents & Brokers · Employment Practices Liability
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