You have a lot of responsibilities to keep your company and your employees safe. One of the ways you can do this is by investing in Employment Practices Liability Insurance (EPLI). In this article we will explore what EPLI is, why it's important, and how you can benefit from having it.

What is Employment Practices Liability Insurance?

Employment practices liability insurance (EPLI) is a type of insurance that provides coverage for businesses against claims made by employees, former employees, or job applicants. These claims may include allegations of discrimination, harassment, wrongful termination, and other employment-related issues.

EPLI policies typically cover the costs of defending against such claims, as well as any settlements or damages that may be awarded as a result of a lawsuit. They may also cover other related costs, such as the cost of hiring a public relations firm to manage the company's reputation in the wake of a negative event.

EPLI is often purchased by small and medium-sized businesses, as well as larger organizations, to protect against the potential financial impact of employment-related lawsuits. It is important for businesses to carefully review their EPLI policy to understand the types of claims it covers and any exclusions that may apply. Some policies also provide for counseling and mediation services to help resolve employment disputes before they escalate into a full-blown lawsuit.

Is EPLI required by Law?

While EPLI is not required by law, it can be a wise investment for businesses of all sizes, since even the most well-run companies can find themselves facing an employment-related claim at some point. If your business does not have EPLI in place and an employee files a lawsuit, you could be on the hook for thousands or even millions of dollars in damages – money that could otherwise be used to grow your business.

So, if you're thinking about whether or not to purchase EPLI coverage for your business, consider the potential cost of an employment-related lawsuit and weigh it against the relatively modest price of a policy. It's just one more way you can help protect your business from risk.

When should you get it?

If you have any employees, whether full-time, part-time, or seasonal, you should consider getting Employment Practices Liability Insurance (EPLI). This type of insurance protects businesses from lawsuits alleging wrongful termination, discrimination, sexual harassment, and other employment-related issues.

While you may feel like your business is too small to need this type of coverage, keep in mind that even a single employee can file a lawsuit against your company. And if you don't have EPLI in place, you could be on the hook for thousands of dollars in legal fees - not to mention any damages that may be awarded if the case goes against you.

So how do you know if your business needs EPLI? The best way to find out is to speak with an insurance agent who specializes in this type of coverage. They can help you assess your risks and determine whether or not EPLI makes sense for your business.

Do I need it?

If you have employees, you need Employment Practices Liability Insurance (EPLI). It will protect your business against lawsuits alleging wrongful termination, discrimination, sexual harassment, and other employment-related issues.

Without EPLI, your business could be on the hook for tens of thousands – or even hundreds of thousands – of dollars in legal fees and damages. Fortunately, EPLI is relatively inexpensive and easy to obtain. So there’s no excuse not to have it.

If you have any questions about whether EPLI is right for your business, consult with an insurance agent or broker who specializes in this type of coverage.


Employment Practices Liability Insurance is a must-have for businesses who want to protect themselves from potential lawsuits related to employment practices. This type of insurance can help cover legal fees associated with defending your business and the costs associated with any settlement or judgments. As an employer, you should look into getting EPLI so that you can be prepared in case of any disputes or claims against your company relating to employee rights and benefits.