Employment Practices Liability Insurance

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Employment Practices Liability Insurance: Protect Your Business from Employee Claims

Employment Practices Liability Insurance (EPLI) is an important type of insurance that helps businesses protect themselves from lawsuits related to their employees. These lawsuits can involve claims like discrimination, wrongful termination, or harassment. If you own a business, EPLI is a crucial part of your business insurance and risk management services to avoid expensive legal fees and potential settlements.

What Is Employment Practices Liability Insurance (EPLI)?

EPLI is designed to protect your business from lawsuits brought by employees, former employees, or job applicants. These lawsuits often focus on claims like:

Discrimination: Treating someone unfairly based on their race, gender, age, or other factors.
Wrongful Termination: Firing someone in violation of employment laws.
Harassment: Any form of harassment in the workplace, like sexual harassment or bullying.
Retaliation: Punishing an employee for reporting misconduct or claiming their rights.

EPLI helps pay for the legal costs of defending against these claims, as well as any settlements or judgments that may result from them.

What Does Employment Practices Liability Insurance Cover?

EPLI covers a variety of claims made by employees or job applicants, including:

Discrimination

If an employee claims they were treated unfairly based on their race, gender, age, or other protected factors.

Wrongful Termination

If an employee claims they were unjustly fired or without cause.

Sexual Harassment

If an employee claims harassment or an unsafe work environment.

Retaliation

If an employee claims they were punished for reporting illegal activities or standing up for their rights.

Failure to Promote

If an employee claims they were not promoted for discriminatory reasons.

Each type of coverage addresses different aspects of your business operations, and a broker can help you identify which policies are necessary for your specific situation.

Explore the Types of Business Insurance

Comprehensive business insurance and risk management services designed to protect your assets, employees, and profits from unforeseen events.

Automobile Insurance

Covers your business vehicles against accidents, liability, and damage with specialized automobile insurance.

Business Personal Property Insurance

Protect your business equipment, inventory, and furnishings from loss, damage, or theft with comprehensive business personal property insurance.

Cyber Liability Insurance

Defend your business against cyber-attacks and data breaches with robust cyber liability insurance coverage.

Directors and Officers (D&O) Liability Insurance

Safeguard directors and officers from legal claims related to business decisions with directors and officers (D&O) liability insurance.

Employment Practices Liability Insurance

Ensure coverage for claims related to wrongful termination, discrimination, or harassment through employment practices liability insurance.

Environmental Liability Insurance

Secure your business against environmental damage, cleanup costs, and related legal expenses with environmental liability insurance.

Fidelity and Crime Insurance

Protect your business from financial losses due to fraud or theft by employees with fidelity and crime insurance.

Fiduciary Liability Insurance

Provide coverage for claims arising from the mismanagement of employee benefit plans with fiduciary liability insurance.

General Liability Insurance

Obtain fundamental protection for bodily injury, property damage, and advertising injury claims with general liability insurance.

Inland Marine Insurance

Cover your business assets in transit or stored off-site with inland marine insurance.

Kidnap and Ransom Insurance

Get comprehensive coverage for ransom payments and crisis management for high-risk operations with kidnap and ransom insurance.

Professional Liability Insurance

Protect your business against claims of negligence, errors, or omissions in professional services with professional liability insurance.

Surety Bond Insurance

Your business meets its contractual obligations with surety bond insurance.

Umbrella Insurance Policy

Extend your coverage beyond standard policy limits for added protection with an umbrella insurance policy.

Workers Compensation Insurance

Cover medical expenses and wages for work-related injuries or illnesses with workers compensation insurance.

Explore Employment Packages Liability Insurance by State

Select your state explore available employment packages liability insurance coverages.
Explore Employment Packages Liability Insurance by State

United States

Employment Practices Liability Insurance 1

Arizona

Employment Practices Liability Insurance 2

Arkansas

Employment Practices Liability Insurance 3

Oklahoma

Employment Practices Liability Insurance 4

Texas

Learn More About Liability Insurance for Employment Packages

FAQs about Employment Practices Liability Insurance

What is Employment Practices Liability Insurance (EPLI)?

EPLI protects your business from lawsuits related to employment issues, such as wrongful termination, discrimination, and harassment.

Do I need an EPLI for my business?

If you have employees, you need EPLI. It helps cover legal costs and damages from employee lawsuits.

What types of claims does EPLI cover?

EPLI covers discrimination, wrongful termination, harassment, retaliation, and failure to promote claims.

Is EPLI the same as general liability insurance?

No. General liability insurance covers property damage and accidents, while EPLI covers employment-related claims.

How much does EPLI cost?

The cost depends on the size and risk level of your business. It’s generally a small price for the protection it provides.

What happens if an employee makes a false claim?

EPLI still covers legal defence costs, even if the claim is found to be untrue.

Does EPLI cover criminal acts?

No. EPLI does not cover criminal acts or intentional misconduct by employees.

Will EPLI cover my business if an employee sues me for personal reasons?

EPLI typically only covers employment-related lawsuits, not personal disputes outside of work.

What are the policy limits for EPLI?

Each policy has different limits, so it’s important to choose the right coverage based on your business.

Can EPLI prevent employee lawsuits?

While EPLI can’t stop lawsuits, it helps manage the financial risks and provides legal protection for your business.

Why Choose Risk Specialty Group for Employment Practices Liability Insurance?

At Risk Specialty Group, we’re more than just an insurance agency – we’re your partner in managing employment-related risks. Unlike traditional agents, we tailor EPLI coverage to protect your business while keeping costs under control. Here’s why companies choose us:

Industry Expertise

We understand the unique employment risks your business faces and offer customized solutions to protect your workforce.

Tailored Coverage

We design EPLI policies that address your specific needs, covering claims like wrongful termination, discrimination, harassment, and more.

Proactive Risk Management

We help you prevent workplace issues before they turn into costly legal claims, saving you time and money.

Comprehensive Protection

Our EPLI policies cover a wide range of employment-related claims, ensuring complete protection.

Trusted Partnerships

We work with top-rated carriers to provide the best coverage at competitive rates.

Ongoing Support

Our team offers continuous guidance and regular policy reviews to keep your coverage up-to-date.

At Risk Specialty Group, we’re your trusted partner in protecting your business from the risks of employment-related claims.

What Our Clients Are Saying

Don’t just take our word for it – hear from businesses who trust Risk Specialty Group to protect their future:

     EXCELLENT  
  18 reviews

    
 
 
      Posted on Google  
   
   Bobbie Llenz 
 20 December 2023
 
 
  I cannot say enough good things about Risk Specialty Group.  Their team is professional, and they have your best interest in mind.  I highly recommend them.   Our agent is Travis Landers and his team always take care of us every step of the way through the renewal process down to a dreaded claim.  We have been in business 27 years and believe me you want these people on your side.
  
 
     Posted on Google  
   
   JMD Engineering LLC 
 27 November 2023
 
 
  Couldn't be more pleased with the level of service and competitive pricing.  I have a niche business that falls outside the norm of most. Risk Specialty Group took the time to understand my business and provide the perfect solution of coverage for me. I highly recommend them to any small business in need of coverage.
  
 
     Posted on Google  
   
   Jill Bard 
 20 November 2023
 
 
  When I started my business 4 years ago, the team at Risk Specialty Group was recommended to me by a long-time colleague to handle business and professional liability insurance.  I could not be happier!  Travis, Deanna, and the entire team are wonderful to work with.  They consistently provide excellent service and go above and beyond to make sure I have what I need, when I need it.  One example: I purchased a new vehicle for the business and was signing paperwork late on a Friday afternoon not realizing I would need auto insurance before I drove it off of the lot.  Travis and his team took my call at 5pm and made sure I had coverage so I could drive home before 6pm, on a Friday!  Just one example of their excellent service and responsiveness.
  
 
     Posted on Google  
   
   Chris Abell 
 17 November 2023
 
 
  I've been partnering with Risk Specialty Group for last few years, and they consistently deliver exceptional service. The team's responsiveness is truly commendable being both prompt and efficient. The account managers at Risk Specialty Group are clearly experienced, making the process of navigating insurance requirements seamless. I appreciate their attention to detail and the assurance that my business is in capable hands. I highly recommend them to any business in search of a reliable insurance partner.
  
 
     Posted on Google  
   
   Blyss 
 16 November 2023
 
 
  I would highly recommend Risk Specialty Group to anyone looking for reliable and helpful insurance professionals who go above and beyond to ensure customer satisfaction. Travis and Leah have consistently shown exceptional reliability, proving to be significant assets in navigating the complexities of insurance policies. Their unwavering commitment to providing assistance is evident in prompt and thorough responses, along with valuable feedback. Barron Engineering appreciates all of your help and support!
  
 
     Posted on Google  
   
   Nicola Hartman 
 15 November 2023
 
 
  The Risk Specialty Group was recommended to TTL by another client of theirs. We have not been disappointed! Both Travis and Candi have been wonderful to work with - the communication is exceptional and the overall switch from a different company has been seamless. I look forward to working with them for many more years to come.
  
 
     Posted on Google  
   
   Real David N 
 12 October 2021
 
 
  Risk Specialty Group has handled my micro-company's insurance for almost five years.  They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner.  Of all my service providers, they are #1 in that department.  6 stars if I could.
  
 
     Posted on Google  
   
   J Smith 
 31 January 2019
 
 
  Prompt, knowledgeable, and courteous. Enjoyed working with the Risk Specialty Group team.
  
 
     Posted on Google  
   
   Brian Richardson 
 28 January 2019
 
 
  My company, EFR Contracting LLC, uses Risk Specialty Group because of their industry expertise, professionalism, superior customer service and attention to detail. I highly recommend them.
  
 
     Posted on Google  
   
   Elizabeth Schlitzberger 
 17 January 2019
 
 
  Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Contact Us Today

Ready to take the next step? Contact Insurance Firm today and experience the trusted support of Risk Specialty. Whether you need expert guidance or have questions about your employment practices liability insurance, we’re just a call or click away. Let’s connect and secure your professional future today!

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David Nelson

15:10 01 Apr 19

Risk Specialty Group has handled my micro-company's insurance for almost three years. They have consistently provided prompt, professional, friendly, and effective customer service. I am always sure that I have access to their "A" team and that they are in my corner. Of all my service providers, they are #1 in that department. 6 stars if I could.

Todd McMakin

16:00 04 Dec 18

We have been using the Risk Specialty Group for our company insurance for two years and have been very happy with our rates and with the customer service that we have received. They are always quick to respond to questions and requests. Highly recommended!

Su Young

18:52 04 Dec 18

Risk Specialty's owner is great to work with, excellent knowledge of the marketplace and clients' insurance needs. The staff is thorough, experienced and friendly. Great shop to consider for your insurance needs.

Elizabeth Schlitzberger

15:23 17 Jan 19

Very professional group with great attention to detail. They care about their customers! I highly recommend them!

Parallax Consulting Group

01:30 19 Dec 18

I am currently renewing my coverage for year (2) of my business. Everyone at RSG has been extremely helpful, while also being clear and concise with all my options and/or questions through every step of my growth, risk management and company success. I would highly advise and/or recommend RSG to anyone looking to find a firm you can count on...but most importantly, trust!