EMPLOYMENT PRACTICE LIABILITY (EPL) INSURANCE

What is Employment Practice Liability (EPI) Insurance?

Employment practices liability insurance, known in the profession as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging wrongful termination, discrimination, harassment, and other employment-related issues. The cost for EPL insurance coverage depends on the type of business, the number of employees, employee job duties, financial statements, prior claims, employee turnovers and years in business.

EPL Insurance Coverage

Employment practice liability insurance include the following:

Wrongful Termination Claims

An employee files a claim against an employer alleging he/she is wrongfully terminated from their position.

Discrimination Claims

An employee files a claim against an employer alleging and employment-related discrimination on the basis of any federal, state or local law such as race, color, gender, pregnancy, military service, sexual orientation, religion, age or disability.

Harassment

An employee files a claims against an employer for sexual, physical, or verbal harassment by the employer, co-workers, or management. It may cover the categories of harassment as currently defined by the Equal Employment Opportunity Commission.

Other Employment-Related Action

Employee alleges and employer for any of the following (Libel, Slander, Mental Anguish, Emotional Distress, Breach of Contract or Promotion)

Note: EPLI does not cover wages laws governed by Department of Labor such as minimum wages and overtime requirements.

Business Insurance

Liability Insurance

Workers' Compensation

Commercial Auto

Commercial Property

Surety Bond

Employee Benefits