Comprehensive Employment Practices Liability Coverage

Employment practices liability insurance (EPLI) provides coverage for businesses against claims made by employees regarding employment-related issues, such as discrimination, wrongful termination, harassment, and other workplace disputes.

EPLI typically covers legal defense costs, settlements, and judgments related to claims of discrimination, wrongful termination, harassment, retaliation, and other employment-related issues.

While EPLI is not legally required, it is highly recommended for businesses to protect against potential employment-related claims and lawsuits, which can be costly and damaging.

The cost of EPLI is based on factors such as the size of the business, number of employees, industry, past claims history, and the chosen coverage limits and deductibles.

If an employee files a claim against your business, notify your EPLI provider immediately. Document the incident, follow the insurer’s guidance, and cooperate with the investigation and defense process.

Coverage for independent contractors and temporary workers varies by policy. It's important to review your policy details to understand the extent of coverage for these types of workers.

Yes, insurers may offer discounts for implementing strong HR practices, regular employee training, maintaining a claims-free history, and having clear employment policies and procedures in place.

You can lower your premium by increasing your deductible, implementing comprehensive HR practices, maintaining a claims-free history, and regularly reviewing your coverage to ensure it matches your needs.

Any business with employees should consider EPLI to protect against employment-related claims. This includes small businesses, large corporations, non-profits, and more.

In addition to standard coverage, you might consider adding coverage for wage and hour claims, third-party liability (covering claims made by customers or vendors), and higher liability limits to ensure comprehensive protection.