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Employment Practices Liability Insurance (EPLI)

If you run a business, you face a risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment.

If you run a business, you face a risk of being sued by an employee or applicant for discrimination, wrongful termination, or sexual harassment. Damages can include compensatory awards, not just lost wages — and these allegations aren't covered by most general liability policies. An  EPLI policy can help protect you and your business in the event of wrongful employment practice claims.


The costs associated with employment practice-related claims can be staggering and are on the rise. Employers may face a number of claims and lawsuits over wrongful termination, discrimination, workplace harassment and retaliation. And a business owner doesn’t even have to be in the wrong to be sued. The right insurance to cover defense costs and damages related to various employment-related claims can be critically important to help protect business assets. The Hartford provides comprehensive and customizable Employment Practices Liability Insurance (EPLI) designed to help protect business owners and their businesses.


If you have employees, you need Employment Practices Liability Insurance.

EPLI coverage can help businesses not only endure, but prevail in the event they face an employment-related claim for acts including:

  • Discrimination
  • Harassment
  • Retaliation
  • Violation of the Family and Medical Leave Act
  • Wrongful discipline
  • Wrongful failure to promote
  • Wrongful termination


A common employee complaint filed centers around wage and hour violations including wage calculation, overtime calculation and job classifications. Employees file wage and hour lawsuits accusing employers of misclassifying employment status or miscommunicating an employee’s eligibility to receive overtime. Wage And Hour Defense Cost sublimit of coverage can be part of EPL coverage – which is a real plus for businesses that are likely to find themselves exposed to wage and hour disputes.

 

Prevention is your best protection.

Some of our carriers have websites that provides employers with helpful resources including:

  • Web-based training on sensitive topics – from sexual harassment to wrongful termination
  • Current articles on employment practices trends
  • Model employment practices and employee handbooks


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