Risk Management and Your Business - EPLI

February 27, 2017

Employment Practices Liability Insurance

From the moment that you start the pre-hiring process until the exit interview, you are vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations. If not, there is an insurance solution called Employment Practices Liability (EPL) that protects against wrongful termination, discrimination or sexual harassment suits from your current, prospective or former employees. This coverage applies to directors, officers and employees, and can sometimes extend to third party liabilities.

Why Choose Employment Practices Liability Insurance?

According to researchers, three out of five employers will be sued by a prospective, current or former employee while they are in business. While many suits are groundless, defending against them is costly and time-consuming.

Alert: Your General Liability Insurance likely EXCLUDES (will not respond to) employment-related lawsuits, leaving you and your assets 100% vulnerable to such risks.

EPLI policies provide protection from the following wrongful employment practices:

Not all EPLI Policies are alike and it is important to research and understand the differences and associated costs. Best-in-class policies offer the following inclusions and add-ons:


EPLI is critical protection for today’s business owner. Please call us to learn more today, 800-360-3000.

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