Employment Practices Liability (EPLI)
Standard coverages and limits
Wrongful termination: Claims alleging unlawful or improper termination
Discrimination: Protection against claims involving race, age, sex, disability, religion, or other protected characteristics.
Harassment: Covers claims involving workplace harassment, including sexual harassment
Retaliation: Protection against claims alleging retaliation for reporting workplace misconduct
Hostile work environment: Coverage for certain employee allegations of workplace misconduct
Limits: Common limits range from $500,000 to $5 million+, depending on company size and risk
Common Endorsements / Optional Coverages
Third-party EPLI: Covers certain claims brought by customers, vendors, or other non-employees
Wage & hour defense: Coverage for defense costs associated with certain wage-and-hour claims
Employee benefits liability: Coverage for certain errors involving employee benefit plans
Defense outside the policy limit: May prevent defense costs from reducing the available liability limit
Extended reporting period: Provides additional time to report eligible claims after policy expiration
Cost Factors & How Pricing Works
Number of employees,
Annual payroll
Coverage limit and deductible
Industry and type of business, Employee locations and states of operation
Who Needs EPLI Insurance?
Businesses with employees
Professional service firms
Any employer facing potential employee or applicant claims involving discrimination, harassment, retaliation, or wrongful termination
Nonprofit organizations
Construction and contracting companies, Healthcare organizations
EPLI Insurance Quotes
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