What does EPLI cover for contractors?

Employment claims by your workers and applicants, wrongful termination, discrimination, harassment, and retaliation, including defense costs. Workers comp and general liability do not cover these.

Do small contractors need EPLI?

Once you have employees, the exposure exists, and defending even a baseless claim is costly. Many growing contractors carry it as soon as they build a crew.

Does EPLI cover wage-and-hour claims?

Coverage is often limited for wage-and-hour, which is a common construction claim. We review how your policy treats it specifically.

Yes, often within a management liability package. We check whether that structure fits your business.

Contractor EPLI (Employment Practices Liability)

For claims from your own crew.

As a contractor adds employees, it takes on employment-practices exposure: claims of wrongful termination, discrimination, harassment, and wage disputes that workers comp and general liability do not cover. EPLI is the coverage that responds.

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EPLI, employment practices liability, covers defense and damages from employment-related claims by employees and applicants, wrongful termination, discrimination, harassment, and retaliation. Workers compensation covers physical injury, and general liability covers third parties, so neither responds to these claims.

Why growing contractors need it

The moment you have a crew, you have employment exposure. A terminated worker, a discrimination or harassment allegation, or a wage-and-hour dispute can produce a claim, and defending even a baseless one is expensive. Construction's hiring patterns, seasonal labor, and crew turnover only add to the exposure, and neither workers comp nor general liability covers it.

What EPLI covers

EPLI responds to wrongful termination, discrimination, harassment, retaliation, and similar claims, paying defense costs and settlements or judgments. Some policies extend to third-party claims, such as a client or vendor alleging discrimination by your staff. Wage-and-hour exposure is often limited and should be reviewed specifically, since it is a common construction claim.

How we handle it

We size EPLI to your headcount and the states you operate in, since employment law varies, set a limit that accounts for defense costs, and check whether bundling it within a management liability package makes sense. We also point you to practical hiring and documentation practices that lower both claims and premium.

For claims from your own crew.

Why growing contractors need it

What EPLI covers

How we handle it

Common questions.

If an employee filed a claim, are you covered?

Keep going.

Workers Compensation

General Liability

Coverage Review

Cover the claims that come from inside.