Business Risk Management
Employment
Practices Liability
Insurance (EPLI)
Running a business means managing people — and even with the best intentions, misunderstandings or workplace issues can turn into costly claims. A standard General Liability (CGL) policy does not cover problems related to hiring, firing, or employee treatment.
That’s where Employment Practices Liability Insurance (EPLI) comes in. It covers your business, your leadership team, and your employees (current and former) against claims of inappropriate workplace behavior.
EPLI pays for:
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Legal defense costs
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Settlements or judgments
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Coverage applies whether you win or lose the case
This is crucial because employment-related lawsuits are expensive, stressful, and increasingly common — even for small businesses.
EPLI protects your business from claims involving:
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Discrimination (age, gender, race, disability, pregnancy, etc.)
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Harassment (including sexual harassment)
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Wrongful termination (claims of unfair or improper firing)
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Failure to promote (claims of unfair treatment or favoritism)
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Retaliation (claims that an employee was punished for reporting an issue)