Employee Practices Liability Insurance (EPLI)
What is EPLI coverage?
EPLI protects your business from lawsuits related to employment practices, such as discrimination, wrongful termination, harassment, and other HR-related claims.
What types of claims are covered?
EPLI typically covers sexual harassment and hostile work environment, discrimination based on race, gender, age, or disability, wrongful termination or retaliation, and failure to promote or hire.
Do small businesses need EPLI?
Yes, even small teams can face employment-related claims. EPLI is especially important if you hire, fire, interview, or manage employees, even if it’s just a few.
Is EPLI included in a BOP or general liability policy?
EPLI is not typically included and is usually purchased separately or added by endorsement. Most standard policies exclude employment-related claims.