Employment Practices Liability Insurance

What Is Employment Practices Liability Insurance?

Employment Practices Liability Insurance (EPLI) can help defend against employment discrimination, sexual harassment and wrongful termination employment claims. 

The cost of EPLI coverage depends on your type of business, the number of employees you have and other risk factors such as history of prior legal cases. The EPLI policy can reimburse your company for the costs associated with defending a lawsuit; however, policies typically do not pay for punitive damages or civil or criminal fines. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI. 

Why Have Employment Practices Liability Insurance?

You've worked hard to build your business and employee lawsuits can be costly and time consuming; unfortunately, these are very litigious times. The number of employee lawsuits has increased in recent years, and any size business is vulnerable to this type of risk. Small businesses can be especially vulnerable because they are less likely to retain employment attorneys or have detailed employment policies and training programs.

How Can I Obtain Employment Practices Liability Insurance?

Employment Practices Liability Coverage is available by endorsement to your general liability coverage or through a separate, stand-alone policy. 

Contact us today to learn more about EPLI.

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