Employment Practices LiabilityCommercial Insurance
Protect against employee lawsuits with EPL insurance
The number of lawsuits filed by employees against their employers has been rising. No company, large or small, is immune to such lawsuits.
Why do I need Employment Practices Liability coverage?
Employment Practices Liability, commonly referred to as EPLI, provides coverages to employers for claims made by employees alleging discrimination(based on sex, race, age or disability, for example), wrongful termination, harassment and other employment related issues, such as failure to promote. The policy will reimburse you for costs defending a lawsuit in court and for judgements and settlements. It covers legal costs whether your company wins or loses a suit. Some insurers, recognizing that smaller companies now need this protection, will add the coverage by endorsement to a business owner policy, while others offer EPLI as a stand-alone policy.