Employment Practices Liability Insurance
Employment practices liability insurance, also referred to as EPLI or EPL, is designed to protect your company or organization against claims arising from allegations of wrongful employment practices such as discrimination, sexual harassment, wrongful termination, invasion of privacy, breach of contract, emotional distress, and wage and hour violations. Employment practices liability coverage can sometimes be included as part of a business owners policy, but is more commonly either offered as a stand-alone policy or part of a packaged management liability policy which would typically also include directors and officers insurance. Employment practices liability insurance is available to both for-profit businesses and non-profit organizations.
Why Is EPLI Important?
Lawsuits filed against businesses by current and former employees are becoming increasingly common, especially in California and various other states. These lawsuits, even if no wrongdoing has actually occurred, can financially drain a business. Legal fees alone can climb into the tens of thousands of dollars, if not more. Carrying an employment practices liability policy can help to cover these legal costs, as well as pay out in the event that a claim is awarded to the person suing.
Who Needs EPLI?
Any business that has or is in the process of hiring employees should consider carrying an employment practices liability insurance policy. We provide employment practices liability insurance for most all types of businesses, including accountants, advertising firms, contractors and tradesmen, healthcare services, architects and engineers, auto dealerships, medical offices, doctors, dentists, attorneys and lawyers, law firms, consultants, construction companies, retail stores, restaurants, employment agencies, staffing agencies, janitorial services, landscapers, nursing homes and assisted living facilities, plumbers, artisan contractors, security guards, veterinarians, travel agencies, and many more.
We currently offer employment practices liability insurance in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.