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Employment practices liability insurance, referred to as EPL insurance or EPLI, offers coverage to employers facing claims from employees alleging:
While large corporations are typically well-protected against employment practices lawsuits and are equipped to handle these situations, small and emerging businesses are often more vulnerable. This vulnerability is often due to the absence of an employee handbook or a legal department outlining hiring, disciplinary, and termination policies.
Together with your insurance agent, discuss potential loss exposures and ensure that you have sufficient employment practices liability insurance.
EPLI policies generally cover the following:
These policies protect business owners, directors, officers, and managers. Some policies also extend coverage to employees. Additionally, you can purchase third-party policies to cover claims brought by non-employees, such as clients.