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Business coverage

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) defends your business against claims of wrongful termination, discrimination, harassment, and retaliation brought by employees. California is one of the most employee-protective states in the country, and even a meritless complaint can cost tens of thousands in legal fees — a risk that arrives the day you hire your first worker.

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Who this coverage is for

Employment Practices Liability Insurance, or EPLI, is for any business with employees, since even well-run companies can face claims tied to the workplace. It is especially important in California, where employment laws are strict and lawsuits are common.

What it can help protect

EPLI helps protect your business from the costs of employment-related claims:

  • Wrongful termination — helps cover claims that an employee was fired improperly.
  • Discrimination — helps with claims based on age, race, gender, disability, and other protected categories.
  • Harassment — helps cover allegations of workplace harassment, including sexual harassment.
  • Retaliation — helps with claims that an employee was punished for reporting a problem.
  • Legal defense — helps cover attorney fees and settlements, even when a claim lacks merit.
Regularly misunderstood coverages
D&O vs. EPLI

Employee claims vs. management-decision claims.

Key choices and underwriting factors

A licensed review will usually focus on employee count and growth rate, remote workforce and management structure, and retention of HR documentation and training approach.

Common Questions