Commercial Insurance

Employment Practices Liability

EPLI centers on the hiring, firing, and treatment of your employees. Regardless of the size of your business, if you have employees, you need Employment Practices Liability coverage!

We can help you acquire protection for losses involving:

  • Wrongful termination
  • Discrimination
  • Harassment & retaliation
  • Fair Labor Standards Act (FLSA) violations
  • Uniformed Services Employment & Reemployment Rights Act (USERRA) violations

According to the Equal Employment Opportunity Commission (EEOC), almost 75% of all litigation against corporations involves employment disputes. In addition, the EEOC states that an employer is more likely to have an Employment Practices Liability claim than a Property or General Liability claim.

Here is a real story from a local restaurant owner:


“A year ago, one of my 17 year old waitresses was kissed by one of the cooks. The girl and her parents sued me for failing to provide a safe working environment. Even though I had no idea that anything had taken place, I was held responsible. When it was all said and done, I had spent nearly $100,000 between legal fees and the settlement. The whole incident nearly cost me my business.”

Unfortunately, this event is not unique. No matter how safe your working environment is or how strict your hiring procedures are, you cannot control how one employee might interact with another.

If your current policy only provides General Liability Coverage, you do not have Employment Practices Liability Coverage!
Not sure if you have it? Not sure if you need it?

You can find out. Contact Us today.