Employment Practices Liability Insurance
Protect your business from employment-related lawsuits and claims
What is EPLI?
Employment Practices Liability Insurance (EPLI) protects businesses from claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues. Even if allegations are unfounded, defense costs can be substantial.
With employment lawsuits on the rise and California's strong employee protection laws, EPLI has become essential coverage for businesses of all sizes. It covers legal defense costs, settlements, and judgments related to employment practices claims.
What's Covered
Wrongful Termination
Claims alleging illegal or improper dismissal, including constructive discharge and retaliation.
Discrimination
Coverage for claims based on age, race, gender, religion, disability, or other protected characteristics.
Sexual Harassment
Protection against claims of hostile work environment or quid pro quo harassment.
Retaliation
Claims that an employee was punished for whistleblowing, filing complaints, or exercising legal rights.
Wage & Hour Violations
Coverage for claims related to unpaid wages, overtime violations, and misclassification.
Breach of Employment Contract
Protection when employees allege violations of written or implied employment agreements.
Who Needs EPLI?
Every business with employees should consider EPLI coverage:
Small and medium-sized businesses
Companies with high employee turnover
Businesses without dedicated HR departments
Companies in California's strict employment law environment
Growing businesses adding employees
Any employer wanting comprehensive protection
Common Claim Scenarios
Wrongful Termination Suit
A terminated employee claims they were fired due to age discrimination rather than performance issues.
Harassment Complaint
An employee files a lawsuit alleging sexual harassment by a supervisor and claims management failed to act.
Wage and Hour Class Action
Multiple employees claim they were misclassified as exempt and denied overtime pay, leading to a class action lawsuit.
Retaliation Claim
An employee alleges they were demoted after reporting safety violations to OSHA.
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Get comprehensive EPLI coverage tailored to your California business needs.