Employment Practices Liability Insurance (EPLI)
What is EPLI? Employment Practices Liability Insurance protects businesses against lawsuits or claims brought against them by the past, present, and future employees. (“Employee” include independent contractors or leased workers when they qualify as employees in the applicable state.) Coverage is provided on a claims made basis, for losses arising out of alleged wrongful termination, wrongful discipline, defamation, humiliation, harassment, discrimination, failure to promote, among others.
According to the U.S. Equal Employment Opportunity Commission in 2014, many EPLI claims can reach large sums up to $1,000,000.00 and statistics showed, that 81% of claims settle for an average of $22,400 - $40,500.
Deductibles generally start at $2,500 & annual minimum premiums start from $250 to $2,500.
When coverage is purchased, you’ll be given access to the following benefits:
- A website containing useful EPL information and resources including employee handbook templates, employment practices procedures, and EPL training information.
- A legal advice line that offers an experienced attorney, well-versed in federal and state employment laws, to provide general counsel on a range of employment issues.
Coverage is very affordable. Get started today by completing the following application and one of our agents contact you within two business days.
Describe your Business Opeartion *
Select Employment Practices Limit of Liability *
Regarding Current EPLI Insurance
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Regarding EPLI Claims:
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Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.