Employment Practices Liability Insurance

Employment Practices Liability Insurance

For businesses that operate with multiple employees, it’s essential to have protection in place. Employment Practices Liability Insurance (EPLI) is crucial in order to safeguard both the business and its members. It offers essential protection against employee claims arising from wrongful acts, whether originating internally or externally. 

EPLI specifically addresses issues such as discrimination, harassment, and wrongful termination, shielding employers from potential lawsuits related to employee relations. Unlike general liability insurance, EPLI is a separate policy that can be obtained to reduce the risks associated with workplace-related claims. By having EPLI coverage, a business can effectively counter legal actions against such claims in a court of law.

Some advantages of having EPLI coverage for your business:

Protection Against Claims

  • Employee claims pertaining to discrimination, harassment, wrongful termination, and related issues can quickly escalate into costly legal battles. EPLI acts as a defense mechanism, providing coverage against these claims. It shields your business from the potential financial strain and reputational damage that such claims can entail.


Legal Expenses Covered

  • Legal expenses can be financially crippling, especially for small and medium-sized businesses. Defending against employee claims can be expensive, even if the claims are false and you are found fault-free. EPLI covers legal defense costs, settlements, and potential judgments arising from claims. This financial aid ensures that your business remains stable even in the case of a legal battle.


Tailored Coverage

  • EPLI offers flexibility to customize coverage to match the size, industry, and specific needs of your business. This ensures that you have the right level of protection, enabling you to navigate employee-related claims with confidence.


Employee Satisfaction

  • Demonstrating a commitment to protecting your employees’ reputation and financial stability can enhance their morale and productivity within the workplace.


Risk Management

  • EPLI coverage often includes access to risk management services. These services provide valuable guidance on implementing best practices in the workplace and employee training programs. By proactively managing risks, you can significantly reduce the likelihood of employee-related issues occurring.


In this age, businesses face an ever-evolving list of challenges. Employment Practices Liability Insurance is an invaluable resource for any business that cares for its employees and wants to withhold a positive and healthy workplace environment. EPLI coverage  isn’t just an insurance policy – it’s a strategic investment in the protection of your business’s reputation, financial well-being, and overall success. By obtaining such a policy, you’re taking proactive steps to navigate employee relations while ensuring your business against the uncertainties of legal claims.

If you and your business value the significance of reducing employment-related liabilities, you may want to assess where your risks lie.

Our Intelligent Quotient for Risk Management is a non-evasive, less than 5-minute, assessment that you can complete to see where your business is regarding how effective it can manage claims. Upon completing the assessment, you will receive a free evaluation score.


We are here for you for all your insurance needs. 

To discuss your options, contact one of our talented Risk Advisors today!



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