Employment practices liability insurance, covering claims like harassment, discrimination, wrongful termination, and retaliation, including defense costs, which general liability and workers comp do not cover.

Does a small firm need EPLI?

Many do. A single employee or applicant can bring an employment claim against a small firm, and the defense is expensive. The exposure grows with headcount.

Does EPLI cover wage-and-hour claims?

Some policies cover wage-and-hour defense costs, but coverage varies and is often limited. We review what your policy actually provides.

Professional Services EPLI - Vantage Point Risk

Employment practices liability insurance (EPLI) for professional firms.

EPLI covers employment-related claims, harassment, discrimination, wrongful termination, retaliation, that any firm with employees can face, and that general liability and workers comp do not cover.

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Employment practices liability insurance (EPLI) covers claims by employees or applicants alleging harassment, discrimination, wrongful termination, retaliation, or related employment issues, including defense costs. It is a real exposure for any professional firm with employees, even small ones, and grows with headcount.

Why small firms still have exposure

Many small professional firms assume employment claims only happen to big companies. In reality, a single disgruntled employee or applicant can bring a harassment, discrimination, or wrongful-termination claim against a small firm, and the defense alone is expensive. EPLI covers the defense and covered settlements, which neither general liability nor workers comp does.

What EPLI covers

EPLI responds to the common employment allegations, harassment, discrimination, wrongful termination, retaliation, and sometimes wage-and-hour defense, though wage-and-hour coverage varies. For firms that advise on HR or hire frequently, the exposure is higher, and the terms matter.

Growth and the program

As a professional firm hires and grows, EPLI becomes more important, and some client engagements and investors reference it. We help you weigh EPLI against your headcount and how you manage employment. Employment law is state-specific; verify with counsel.

Employment practices liability insurance (EPLI) for professional firms.

Why small firms still have exposure

What EPLI covers

Growth and the program

Common questions.

Is this coverage right on your policy?

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