Employment Practices Liability Insurance

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

  • Discrimination
  • Wrongful Discharge
  • Sexual Harassment
  • Hostile Working Environment
  • Wrongful Termination
  • Lack of Advancement

These types of claims can occur every day. Even the most careful scrutiny and management can still provide opportunities for employment related claims. This type of insurance coverage is relatively inexpensive however can be well worth the cost. According to a recent study, the average payout on an employee related claim is up over 30% to approximately $180,000.

Fortunately, we can help. Our Employment Practices Liability Programs are geared towards your business specifically. Key elements of coverage for an EPLI policy includes the following:

  1. Coverage for all employees, independent contractors and leased employees.
  2. Coverage for third parties. This is especially important in those cases where sales personnel and independent contractors are used, since their daily activities are not usually under the direct supervision of a manager.

If you would like more information on this product, please feel free to call and speak with one of our licensed representatives at 201-847-9175.