Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) protects your business from claims made by employees related to wrongful employment practices such as discrimination, harassment, retaliation, or wrongful termination. These types of lawsuits are increasingly common, and even unfounded claims can lead to costly legal fees and reputational harm.

EPLI covers legal defense costs, settlements, and judgments arising from these claims, helping to safeguard your company’s financial stability and internal culture. Coverage can extend to both current and former employees, and in some cases, even job applicants.

As your team grows, so does your exposure to employment-related risks. EPLI is especially important for small and mid-sized businesses that may not have dedicated HR or legal teams in place.

EPLI can be offered as a standalone policy or added to a broader management liability package. We work with you to assess your risk profile and customize coverage that reflects your unique workplace needs.

In today’s legal climate, even a single complaint can lead to a serious legal situation. Having EPLI helps demonstrate your commitment to compliance, fairness, and risk management.

Our agency can walk you through the details of coverage, common exclusions, and how to integrate EPLI into your overall insurance strategy.