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Employment Practices Liability Insurance - Let us find your best coverage - protection from employee lawsuits
Wrongful termination, harassment, discrimination and retaliation claims are the most common lawsuits small employers face. Carriers look at headcount, turnover, HR practices and claims history. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Employment Practices Liability Quote Request
Applicant Information:
Have these handy
- Employee count by state
- Employee handbook
- Turnover in the last 12 months
- Prior EPL claims or EEOC charges
Related coverage
Coverage details
What Employment Practices Liability coverage includes
Employment practices liability insurance (EPLI) covers claims from employees and job applicants alleging wrongful termination, discrimination, harassment, retaliation and other workplace issues. These claims are among the most common lawsuits small businesses face, and defense costs alone can be significant. EPLI also gives you access to HR guidance to help prevent claims.
- Wrongful termination - Defense and settlements when a former employee sues.
- Harassment and discrimination - Claims of sexual harassment, bias or hostile workplace.
- Retaliation - Claims that you punished an employee for complaining or whistleblowing.
- Third-party claims - Harassment or discrimination claims by customers or vendors.
- HR hotline - Most carriers include free HR and legal advice lines.
Good to know: a written handbook with an anti-harassment policy, annual training and a documented complaint process can cut retentions and open more carriers. California employers pay more.
Not covered: wage and hour claims, workers compensation, ERISA and benefits claims, and unemployment.
Insurance Application:
Employment Practices Liability
Required forms
Employment Practices Liability Supplemental Application (PDF)
Related supplements (add any that apply)
Directors & Officers (Private) (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
EPLI explained
How employment practices liability works
EPLI responds to claims about how you hire, manage and fire employees, and can extend to claims from customers or vendors.
Wrongful termination
Claims that an employee was fired illegally.
Discrimination
Claims based on age, race, gender, disability, religion and other protected classes.
Harassment
Sexual harassment and hostile work environment claims.
Retaliation
Claims that you punished an employee for complaining or reporting.
Third-party claims
Harassment or discrimination claims from customers or vendors, when added.
HR hotline
Most carriers include free HR guidance.
Call the HR hotline first. Before a difficult termination, use your carrier's HR hotline. Documenting the reasons and following your handbook is the best defense against a later claim.
Pricing
What affects your EPLI rate
Rating factors
- Number of employees and turnover
- State, with California and some others costing more
- Industry and workforce makeup
- Prior claims and EEOC charges
- Written policies and training
- Limits and retention
Best practices
- Maintain an up-to-date employee handbook
- Train managers annually on harassment and discrimination
- Document performance issues and discipline
- Use a consistent hiring and termination process
- Keep complaint procedures clear and confidential
Wage and hour claims are excluded. Most EPLI policies exclude overtime and wage claims. A small sublimit for defense may be available; ask us about it.
Employer coverage
Coverage for employers
Start with the EPLI application, then build out your employer coverage.
Related coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.