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Employment Practices Liability Insurance


Legislation and the increasing numbers of employment-related claims have created the need for business owners to consider a type of insurance known as employment practices liability insurance, or EPLI. The potential exposure for a money damages award threatens your company’s financial resources. In addition, most comprehensive general liability policies specifically exclude employment-related claims.

An EPLI policy offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers. These policies generally cover charges in the following areas:

  • Libel or slander
  • Gender, age and other types of discrimination
  • Sexual harassment
  • Breach of contract for employment
  • Wrongful termination or discipline
  • Negligent compensation, promotion or hiring decisions
  • Emotional distress or mental anguish
  • Employee benefits mismanagement

The cost of EPLI coverage will vary based up0n the type,size and risk profile of your business.  The insurance company may also require copies of written personnel policies to help the insurer determine risk and cost of your EPLI policy.