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Employment Practices Liability Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

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Employment Practices Liability Insurance

Protect your business from the unexpected with Employment Practices Liability Insurance - it's the shield your company needs against lawsuits related to discrimination, harassment, and other employment-related issues.

Employment practices liability insurance (EPLI) is a type of business insurance that covers the legal liability and defense costs arising from employment-related claims.

Employment-related claims are allegations or lawsuits brought by current, former, or prospective employees against an employer or its employees for violating their rights or discriminating against them.

Some common examples of employment-related claims are

Wrongful termination or dismissal

Harassment or hostile work environment

Discrimination

Wage and hour violations

Breach of contract or implied contract

Invasion of privacy or defamation

Our Employment practices liability insurance can help you protect your business from these claims by providing you with

Financial compensation for the damages or settlements you have to pay

Legal defense and representation in case of lawsuits or investigations

Expert advice and assistance in managing the claim and preventing future claims

Access to preventive tools and resources to improve your employment practices and policies

Employment practices liability insurance is essential for any business that has employees or hires independent contractors. Employment-related claims are becoming more frequent, complex, and costly. No business is immune to employment-related claims, regardless of its size, industry, or location.

Employment practices liability insurance can help you safeguard your business from the devastating effects of employment-related claims. It can also help you comply with the laws and regulations.

Employment practices liability insurance works in a similar way as other types of business insurance. You pay a monthly or annual premium to the insurance company, and in return, you get coverage for the legal liability and defense costs related to employment-related claims. The coverage and the premium vary depending on the policy you choose.

Some common factors that affect your coverage and premium include:

  • The number and type of employees you have
  • The industry and nature of your business
  • The level and quality of your employment practices and policies
  • The claims history and experience of your business
  • The deductible and limit of your policy

Click And Learn

Retaliation
Wrongful Termination
Harassment
Emotional distress
Discrimination

Retaliation coverage

Risk Factors

In a retaliation claim, the employee alleges that they are being harassed or discriminated against as punishment for speaking out about issues occurring to others in the workplace. Retaliation claims are often related to pay cuts or demotions that do not affect the employee’s overall performance.

Solution

The business can take an EPLI to cover themselves from any damages or claims.

Wrongful termination coverage

Risk Factors

Wrongful termination is any firing done in violation of federal, state, or local laws, the terms of an employment agreement, or for reasons that go against public policy.

Solution

The business can take an EPLI to cover themselves from any damages or claims.

Harassment coverage

Risk Factors

The most prevalent type of workplace harassment is of a sexual nature. Sexual harassment entails unwanted sexual advances, both physical and verbal. Workplace harassment claims have been steadily rising over the last few years.

Solution

The business can take an EPLI to cover themselves from any damages or claims.

Infliction of mental or emotional distress

Risk Factors

Intentional infliction of emotional distress occurs when the employer purposely causes emotional distress to employees by way of some conduct that is not fit for the workplace.

Solution

The business can take an EPLI to cover themselves from any damages or claims.

Discrimination coverage

Risk Factors

Many types of discrimination can occur at work based on race, religion, sex, disability, age, equal pay, national origin, genetic information, pregnancy, and more.

Solution

The business can take an EPLI to cover themselves from any damages or claims.
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