Employment Practices Liability Insurance (EPLI)
Protect your business—and your reputation—from workplace claims.
Employment Practices Liability Insurance (EPLI) helps protect your business from the rising cost of employee-related lawsuits. It covers claims such as wrongful termination, harassment, discrimination, or retaliation, along with related legal fees, settlements, and defense costs.
Whether you have one employee or one hundred, EPLI gives you peace of mind—helping you manage sensitive employment issues without putting your business at risk.
What does EPLI Cover?
EPLI provides financial protection if an employee, former employee, or job applicant takes legal action against your business. It can help cover:
Common allegations include:
Sexual harassment
Discrimination (race, gender, age, disability, etc.)
Wrongful termination or failure to promote
Breach of employment contract
Retaliation or negligent evaluation
Emotional distress due to management actions
Your policy can help pay for:
Legal defense and attorney fees
Settlements or court judgments
Claims filed by current, former, or prospective employees
Real-world examples
Example Scenarios
Wrongful Termination: A long-time employee claims age discrimination after being let go for performance issues. Even with documentation, legal defense costs $80,000.
Harassment Claim: A former employee alleges workplace harassment, leading to a $45,000 settlement.
Discrimination Allegation: A candidate claims they were denied a promotion due to gender bias. Legal fees exceed $30,000 before resolution.
Who needs EPLI?
If you manage employees, you face employment-related risks—no matter how small your team is.
EPLI is especially important for businesses that:
Work closely with customers and staff
Hire, fire, or promote employees regularly
Maintain personnel files or conduct performance reviews
Even with good policies and training in place, misunderstandings or false claims can happen—and EPLI helps you handle them without devastating legal costs.
What’s not covered
EPLI focuses on employee-related risks, but it doesn’t cover every type of workplace issue.
Not covered under EPLI:
Workplace injuries (covered by Workers’ Comp)
Property damage or bodily injury
Intentional or criminal acts
Wage and hour disputes
1099 or contractor claims
Fines, penalties, or punitive damages
Equity or bonus disputes
Protect your business and your people.
EPLI coverage helps you handle the unexpected costs of employment-related claims while protecting your company’s reputation and financial future.