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What is EPLI (Employment Practices Liability Insurance)?

Does your business have the right insurance? What is EPLI and why is it important to your business?  

Work-related lawsuits are on the rise, and a single claim against your company could be financially devastating if you’re not adequately insured.

Employment lawsuits have jumped 400% in the past 20 years. In fact, companies with as few as 100 employees can expect to receive an employment practices claim once every three years. Defense costs can top out at $300,000 per case, and a resolution may take 18 to 24 months.

Legal fees are not the only cost to your company. You may have to cover the expenses of investigating an allegation — audits, data collection and record production — which can rack up big bills. If the complaint involves sexual harassment or discrimination, you will also need (or may wish to have) help paying for a media response and reputational damage control

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An established, close relationship with your insurance agent can ease your burden so you can focus more on running your business.

Employment practices liability insurance (EPLI) protects employers from the costs of allegations of wrongful acts arising from the employment process. These allegations can include discrimination, sexual harassment, and hiring or firing actions. It can be purchased as a stand-alone policy or as an endorsement to your business owners policy (BOP).

Misconception About EPLI Insurance

Despite EPLI coverage’s relatively low premium, many employers don’t buy it because they mistakenly believe other types of insurance cover such complaints. In fact, most employers with fewer than 50 employees pass up this important protection.

EPLI is generally a separate coverage from your BOP, but you can talk to an experienced insurance professional about the possibility of adding it to your insurance program as an endorsement.


Alternatively, it may be best that you consider a stand-alone policy with higher financial protections than are offered when the coverage is combined in a BOP.  A knowledgeable insurance agent can help you decide what is best for the needs of your business.  

Contact an insurance agent at V.F. McNeil Insurance today to discuss what EPLI typically covers, learn what the exclusions are, find out what top trends in employment-related claims are, learn how you can access resources for HR Best Practices, and talk about choosing and managing the right insurance protection for your company.  



To learn more about EPLI (Employment Practices Liability Insurance, connect with an insurance agent today! Request an Appointment Online, or Call 203-483-2988 | 203-481-2684

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