Employment Practice Liability Insurance

What is Employment Practice Liability Insurance?

When you have a staff, you are exposed to a broad risk of exposures and liabilities. Allegations of wrongful termination, discrimination and workplace harassment are serious claims in the workplace and need to be handled appropriately.  When an employee makes a claim that their legal rights have been violated, employment practices liability insurance (EPLI) will cover defense costs and damages related to the claims. No matter the size of your company, all businesses need this type of protection. Employment Practices Liability Insurance can be offered as stand-alone coverage or it can also be included as an amendment to an existing business owner’s policy.    

What Does EPLI Protection Cover? 

EPLI provides protection against many kinds of employee lawsuits, including but not limited to claims of:

  • Discrimination
  • Invasion of privacy
  • Wrongful termination
  • Breach of employment contract
  • Failure to promote
  • Wrongful discipline
  • Deprivation of career opportunity
  • Negligent evaluation
  • Mismanagement of employee benefit plans

The number of employees, past claims, complaints or lawsuits and a company’s business anti-discrimination policies are all taken into account with Employment Practices Liability Insurance coverage.  EPL insurance policies typically exclude wage and hour claims and do not cover damages or claims resulting from criminal acts.  

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