Employment Practices Liability Insurance Coverage
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Employment Practices Liability Insurance Coverage Request
Defend Your Business Against Employee Claims
Employment Practices Liability Insurance (EPLI) protects your business against claims brought by employees, former employees, and job applicants alleging that their rights as workers were violated — discrimination, harassment, wrongful termination, and retaliation. It pays for your legal defense as well as settlements and judgments for covered claims.
Why You Need Employment Practices Liability Insurance
General Liability and Workers' Compensation do not cover employment-related claims.
Employment suits are among the most common claims small and mid-sized businesses face.
Even a groundless claim can cost tens of thousands of dollars to defend.
Covers defense costs, settlements, and judgments — often with HR risk-management resources included.
Who Needs This Coverage
Employment Practices Liability coverage is essential for:
Any business with employees — full-time, part-time, or temporary
Startups and small businesses scaling up their headcount
Retail, hospitality, and other high-turnover industries
Companies without a dedicated in-house HR or legal team
Franchises and multi-location employers
Any employer that hires, disciplines, promotes, or terminates staff
What Employment Practices Liability Insurance Covers
EPLI responds to a wide range of employment-related wrongful acts, including:
Discrimination
Claims based on age, race, sex, religion, disability, national origin, or another protected class.
Harassment
Sexual and other workplace harassment, including hostile-work-environment claims.
Wrongful Termination
Alleged wrongful firing, demotion, or constructive discharge of an employee.
Retaliation
Claims of retaliation for whistleblowing or for exercising a protected legal right.
Wrongful Discipline
Failure to promote, negligent evaluation, and breach of an employment contract.
Third-Party Claims
Discrimination or harassment claims brought by customers or vendors (when added).
