Retail & Restaurants Insurance
Employment Practices Liability Insurance
for Retail & Restaurants
Retail and food service businesses have high employee turnover, diverse workforces, and fast-paced environments — conditions that increase the likelihood of employment claims. EPLI protects you from lawsuits alleging wrongful termination, harassment, and discrimination.
Industry-Specific Insight
Why Retail & Restaurants Businesses Need Employment Practices Liability Insurance
Retail and food service businesses have high employee turnover, diverse workforces, and fast-paced environments — conditions that increase the likelihood of employment claims. EPLI protects you from lawsuits alleging wrongful termination, harassment, and discrimination.
Coverage Details
What Employment Practices Liability Insurance Covers
Key protections included in a employment practices liability policy for retail & restaurants operations.
FAQs
Common Questions from Retail & Restaurants Businesses
Are restaurant owners frequently sued by employees?
Yes. The restaurant and retail industry has a high rate of employment claims due to variable scheduling, tip disputes, and the emotional nature of customer-facing work. EPLI is increasingly important for these businesses.
Does EPLI cover wage and hour claims?
Some EPLI policies include wage and hour defense cost coverage, but it varies by carrier. Given the frequency of wage claims in hospitality, ask specifically about this when comparing policies.
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 Retail & Restaurants Businesses Commonly Need
A complete protection plan for retail & restaurants operations typically includes several complementary coverages.
Retail & Restaurants · Employment Practices Liability
Get Employment Practices Liability Coverage for Your Retail & Restaurants Business
Our licensed agents specialize in retail & restaurants insurance. We compare options from 96+ carriers to find the right employment practices liability coverage at a competitive price.