Employment Practices Liability Insurance – Protect Your Business from Employee Lawsuits

Safeguard your company from financial loss with EPLI coverage for wrongful termination, harassment, and discrimination claims.

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Employment Practices Liability

Why Your Business Needs Employment Practices Liability Insurance

Employment-related lawsuits are on the rise, and even small businesses are at risk. Employment practices liability insurance (EPLI) shields your business from the high costs of employee claims.

Key Benefits:

Covers legal fees, settlements, and judgments.
Protects against claims like wrongful termination, discrimination, and harassment.
Ensures your business remains protected and financially secure.

Without EPLI, one lawsuit could cost you thousands—or more.

What is Employment Practices Liability Insurance?

Employment Practices Liability Insurance (EPLI) protects businesses from claims made by employees related to workplace issues, such as discrimination, harassment, wrongful termination, and wage disputes. This coverage helps cover legal fees, settlements, and judgments resulting from employment-related lawsuits, providing businesses with financial protection against potential risks in the workplace.

Why It Matters: With employment laws constantly evolving, EPLI ensures your business stays protected from costly claims.

Wrongful Termination

This coverage protects businesses against claims from employees who allege they were wrongfully or unfairly fired. These claims can arise from various factors, including breach of contract, discrimination, or violation of state or federal laws. EPLI helps cover the legal costs, settlements, or judgments related to these disputes.

Discrimination

Discrimination coverage provides protection against claims based on age, gender, race, disability, religion, or other protected characteristics. Employees may allege unfair treatment in hiring, promotions, job assignments, or pay. This coverage helps shield businesses from the financial burden of defending against such claims.

Sexual Harassment

Sexual harassment coverage protects against claims involving inappropriate workplace behavior, including unwanted sexual advances, comments, or actions. Whether the harassment is physical or verbal, EPLI can cover legal fees and potential settlements or judgments resulting from these claims.

Retaliation Claims

Retaliation coverage protects against claims from employees who allege retaliation after reporting workplace misconduct, such as discrimination or harassment. If an employee claims they were punished for making a complaint or participating in an investigation, this coverage helps cover legal expenses and any resulting damages.

Example Scenario:

A former employee claims wrongful termination due to age discrimination and files a lawsuit. EPLI covers the legal defense costs and potential settlement.

Who Needs Employment Practices Liability Insurance?

Every business with employees, regardless of size or industry, can benefit from EPLI. It’s especially important for:

Small Businesses: Limited resources make a single lawsuit financially devastating.
Growing Companies: EPLI protects your expanding workforce and operations.
Established Businesses: Compliance challenges and employee risks increase with size.

Fact: Even companies with strong HR policies face unexpected claims. EPLI ensures you’re covered.

How Much Does Employment Practices Liability Insurance Cost?

The cost of EPLI coverage varies based on:

Number of Employees: More employees may increase premiums.
Industry Risk: High-risk industries like healthcare or hospitality may pay more.
Claims History: Past claims can affect rates.
Coverage Limits: Higher limits mean broader protection.
Average Premium: EPLI costs start around $800 to $2,500 annually for small businesses.

How to Get Employment Practices Liability Insurance (EPLI)

Getting covered through Brabham Griffin is simple—we make it easy to secure the protection your business needs quickly and confidently.

Request a Free Quote

Fill out our online form or give us a call.

Customize your Policy

Work with our experts to choose the right coverage.

Get Covered Fast

Start protecting your business immediately.

One quick step now can save you thousands later.

Why Choose BGI for EPLI?

Partner with an insurance provider that understands your business:

Tailored Coverage: EPLI solutions customized to your unique risks.
Affordable Premiums: Competitive pricing for businesses of all sizes.
Expert Guidance: Advisors who simplify complex policies and answer your questions.
Reliable Protection: Fast claims processing when you need it most.

Your business deserves protection you can trust.

Common Questions About Employment Practices Liability Insurance (EPLI)

What is employment practices liability insurance?

EPLI protects businesses from employment-related claims like wrongful termination, discrimination, and harassment.

Who needs EPLI coverage?

Any business with employees can benefit, including small businesses, startups, and established companies.

What does EPLI not cover?

It usually excludes unpaid wages, intentional wrongdoing, or criminal acts.

How much does EPLI cost?

Costs vary based on employees, industry risk, and claims history, starting around $800 annually for small businesses.

How do I reduce the risk of EPLI Claims?

While EPLI protects your business, you can also take proactive steps to reduce claims by proper harassment and discrimination employee training, having clear Policies in a comprehensive employee handbook, and enforcing fair hiring, promotion and termination practices through HR support.

How Does Employment Practices Liability Insurance (EPLI) Work?

EPLI policies operate on a claims-made basis, meaning coverage applies to claims that are filed while the policy is active. This type of policy covers incidents that occur after the policy start date, ensuring protection against employment-related disputes during the coverage period.

Take the Next Step: Protect Your Business Today

Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.

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