Employment Practices Liability (EPLI)
Coverage for certain claims arising from employment practices and workplace allegations.
Commercial Insurance
Coverage That Matches the Exposure
Hiring, managing, disciplining, and terminating employees creates an area of risk that standard liability coverage may not address. Employment Practices Liability Insurance can help protect a business from certain employment-related claims.
What This Coverage Can Help Address
- Certain discrimination allegations
- Certain harassment claims
- Wrongful termination allegations
- Retaliation claims
- Other covered employment-practices allegations
Who Should Consider It
Is This Relevant to Your Business?
Businesses with employees, managers, hiring activity, or a growing workforce should consider their exposure to employment-related claims.
Common Questions
Employment Practices Liability (EPLI) FAQs
Does general liability include employment practices claims?
Standard general liability policies generally are not designed to cover many employment-practices allegations. EPLI is specifically intended for this category of risk.
Can a small employer face an EPLI claim?
Yes. Employment-related disputes can arise in businesses of many sizes, making policies, documentation, and appropriate insurance protection important.
Does EPLI replace good HR practices?
No. Insurance is one layer of risk management. Clear policies, consistent documentation, training, and appropriate professional guidance remain important.