Protect against employee lawsuits with Employee Practices Liability Insurance (EPLI)

Any business that hires employees or independent contractors faces unique liabilities. Disputes that develop between workers and employers can quickly escalate into a lawsuit. Employment Practices Liability Insurance (EPLI) can protect you from claims of unfair business practices made by your employees.

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WHAT IS IT?

Employee Practices Liability Insurance is a policy that provides coverage to employers for claims made by employees. Common examples of employee claims include discrimination, wrongful termination, harassment, and failure to promote. No business is safe from these types of allegations.

WHY DO I NEED IT?

No employer is exempt from allegations of unfair business practices. The resulting lawsuits are expensive and could put significant strain on your business’s finances and reputation.

WHO IS IT FOR?

Every business with employees can benefit from EPLI coverage. Even a business with only one employee is at risk of being exposed to employment lawsuits.

COVERAGE DETAILS

Small company owners often feel a false sense of security when they don’t have a large group of employees. However, it’s important to realize that you’re at risk for an employment claim from the moment you conduct your first interview. Small businesses often face higher risks because they don’t carry the same commercial employee policies as large corporate companies.

EPLI coverage goes beyond standard commercial insurance coverage to protect you from the following liabilities.

  • Breach of Contract
  • Emotional Distress
  • Harassment
  • Negligent Evaluation
  • Wrongful Discipline
  • Wrongful Termination
  • Other Violations

EPLI coverage will reimburse you for judgments and settlements. It also covers defense costs whether you win or not. EPLI coverage can be added as an endorsement to a business owner’s policy (usually the case for small businesses) or purchased as a stand-alone policy. 

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EPLI Coverage Frequently Asked Questions

EPLI coverage provides a unique source of liability coverage not taken care of by your other commercial policies. It can often be difficult to compare EPLI coverage to your other policies and figure out how to fill in the gaps. Here are a few of the questions our valued customers ask about EPLI coverage.

The general liability limits in a business owners policy or commercial policy provide coverage for bodily and advertising injury and property damage. It does not cover costly employment claims like sexual harassment.

Most employers assume worker’s compensation covers all employee-related issues. However, it’s important to remember that worker’s compensation exists to protect your employees against bodily injury and to pay for legal coverage due to related negligence. An EPLI policy provides additional coverage for claims made by employees.

A Home insurance binder provides proof of insurance coverage related to the property insured which, clearly states coverages and includes any loss payees or additional interests if there are any.

Many factors go into the cost of your EPLI policy, including:
• Number of employees
• Rate of employee turnover
• Employment procedures
• Desired amount of coverage
• Desired amount of deductible or self-insured retention
• Past claims

Renting your home can sound like a financial windfall, although your homeowner’s insurance policy may not include coverage for home-sharing. Before you rent your property on a short term basis, contact your independent insurance agent to discuss options that add the additional coverage needed to protect your property against damage and personal liability claims.

Learn More About EPLI Insurance

To learn more about EPLI coverage or any of our other commercial insurance policies, get in touch with the LoPriore team today. Our agents are available 24/7 to answer your questions, provide a quick quote, or provide details about the insurance policies that fit your lifestyle.

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