Insurance Companies We Work With
Home›Commercial›Employment Practices Liability
Employment Practices Liability

For the claims that come from your own employees.

Employment practices liability, or EPLI, covers your business against claims by employees and applicants: wrongful termination, discrimination, harassment, and retaliation. These claims are common, expensive to defend, and not covered by your other liability policies.

Get a quote Compare your coverage

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

EPLI covers defense costs and damages from employment-related claims, including wrongful termination, discrimination, harassment, retaliation, and similar allegations by employees, former employees, and applicants. General liability and workers compensation do not cover these claims.

What EPLI covers

The policy responds to the employment claims that land on businesses of every size: a termination alleged to be wrongful, discrimination on a protected basis, harassment, retaliation, failure to promote, and related claims. It pays the legal defense, which is substantial even for a claim with no merit, plus settlements and judgments. Some policies extend to third-party claims, such as a customer alleging discrimination by your staff.

Why every employer is exposed

An employment claim does not require wrongdoing to cost you. Defending even a baseless allegation can run into tens of thousands of dollars before it is resolved. Small businesses are especially exposed because they rarely have in-house legal or HR support, and a single claim can consume both cash and attention. If you have employees, you have this exposure, and your general liability and workers comp policies do not touch it.

How it fits with the rest of the program

EPLI fills a specific gap. Workers compensation covers physical injury at work, not employment disputes. General liability covers third parties, not your own staff. Management liability packages sometimes bundle EPLI with directors and officers and fiduciary coverage, which can be efficient for some businesses. The right structure depends on your size and exposure, and matching it is part of building the program correctly.

How we handle it

We confirm the coverage fits your headcount and the states you operate in, since employment law varies. We set a defense-cost-aware limit, because defense is where these claims hurt. We check whether bundling EPLI within a management liability policy makes sense for you. And we point you to practical risk controls, since strong hiring, documentation, and termination practices lower both claims and premium.

Frequently asked

Common questions.

What does EPLI stand for?
Employment Practices Liability Insurance. It covers claims by employees and applicants such as wrongful termination, discrimination, harassment, and retaliation.
Does workers compensation cover employment claims?
No. Workers compensation covers physical injury and illness from work. Employment disputes like wrongful termination or discrimination are covered by EPLI, not workers comp.
Is EPLI necessary for a small business?
For most employers, yes. Small businesses face employment claims too and rarely have in-house legal support, so even one claim can be costly. The exposure exists from the first employee.
Does EPLI cover third-party claims?
Some policies extend to third-party claims, such as a customer alleging discrimination or harassment by an employee. It is often optional, so we confirm whether it is included.
Can EPLI be part of another policy?
Yes. EPLI is often available within a management liability or executive package alongside directors and officers and fiduciary coverage, which can be efficient. It is also available standalone.
Compare your coverage

If an employee filed a claim tomorrow, are you covered?

Employment claims are common, and defense alone is expensive. We confirm you have EPLI, that the limit accounts for defense, and that it fits the states you operate in.

Compare your coverage Get a quote
We size the limit with defense costs in mind
We confirm coverage across the states you operate in
We check whether bundling with management liability fits
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Management Liability

EPLI often bundles with directors and officers.

Coverage

Workers Compensation

For the physical injuries EPLI does not cover.

Coverage

Business Owners Policy

The core business program EPLI rounds out.
Independent, business-first

Cover the claims that come from inside.

Tell us about your team and we will set up EPLI that fits your headcount, your states, and your real exposure.

Get a quote Compare your coverage