Employment Practices Liability Insurance (EPLI)
What is EPLI?
Employment practices liability insurance (EPLI) is coverage that protects businesses against employment claims, including discrimination, harassment and wrongful termination. This coverage, sometimes mistakenly called “EPLI insurance,” could support your business regardless of whether the claim is legitimate.
Companies must respond to these employment claims, which most business insurance policies don’t cover. Adding EPLI coverage as an endorsement to your existing general liability insurance or business owners policy (BOP) could shield your company from major financial loss.
What does EPLI cover?
EPLI policies cover the legal cost of defending your company from allegations made by employees, former employees and job applicants.
Some common examples of EPLI claims involve:
- Sexual harassment
- Wrongful termination
- Invasion of privacy
- Breach of employment contract
- Failure to employ or promote
EPLI protections typically include your employees, executives and business. Your EPLI coverage could help if your company, leadership or employee is accused of wrongdoing.