Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Employment Practices Liability
Claims by employees over discrimination, harassment and wrongful termination.
What this cover does
Employment claims are brought more often than almost any other against small and mid-sized employers, and most are resolved through defence costs rather than verdicts. EPLI pays those costs and gives you counsel who handle employment matters daily.
Typically included
- Discrimination claims on any protected characteristic
- Harassment, including hostile work environment
- Wrongful termination, demotion and failure to promote
- Retaliation and whistleblower claims
- Defence costs and settlements
- Third-party cover for claims by customers and vendors, where added
Common add-ons
- Wage and hour defence sub-limits
- Third-party EPLI for non-employee claimants
- Access to employment-law helplines and template handbooks
- Higher limits where headcount or turnover is high
Questions
What people ask about epli
We treat people well. Is this necessary?
The exposure is the cost of defending a claim, not whether you are ultimately right. A claim that goes nowhere can still produce a six-figure defence bill, and it is defence cost that EPLI mainly buys.
Are wage and hour claims covered?
Usually only defence costs, under a sub-limit, and often not the back pay itself. It is one of the most important exclusions to read before buying.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Employment Practices Liability
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.