Employment Practices Liability Insurance

Protect Against Claims with Employment Practice Liability Insurance

Workplace disputes can lead to costly legal battles, even for well-managed businesses. Employment practices liability insurance (EPLI) protects against claims related to wrongful termination, discrimination, harassment, and other employee-related issues. Whether you have one employee or a full team, employment practice liability insurance helps shield your business from reputational and financial risk.

What Does Employment Practices Liability Cover?

A person with an X next to them to symbol protection from wrongful termination, discipline or demotion with Employment Practices Liability insurance.
Wrongful termination, discipline, or demotion

A person making noise toward another person to show protection from discrimination, harassment, or retaliation with Employment Practices Liability insurance.
Discrimination, harassment, or retaliation

A person with a stop sign symbolizing failure to perform, protected with Employment Practices Liability insurance.
Failure to promote

A contract with an x showing breach of contract.
Breach of employment contract

A medical document representing the violation of family medical leave act.
Violation of family medical leave act

A laptop with an eye representing breach of privacy.
Breach of privacy

A document with a magnifying glass with an x in the glass representing mismanagement of benefits.
Mismanagement of benefits

Employment Practices Liability Insurance (EPLI)1 protects your business from costly employee lawsuits, including claims of: 

  • Wrongful termination 
  • Discrimination 
  • Harassment 

What Is Not Covered?

Employment Practices Liability Insurance (EPLI) can protect your business from employee lawsuits, but it doesn’t cover every risk. To stay fully protected, consider additional coverages for these situations: 

  • Physical injury to your employees with workers compensation insurance.
  • Professional services or advice with professional liability insurance.
  • Third party bodily injury with general liability insurance.

Why Is It Important?

Employment practices liability coverage helps safeguard your business against the unique risks of being an employer by providing these key benefits: 

  • Fills coverage gaps: General liability insurance typically excludes employment related disputes.
  • Covers cost of defense: EPLI helps pay attorney fees, court costs, and other legal defense expenses. 
  • Provides financial protection: Covers settlements or judgments against your business in the event of a covered claim. 
  • Protects reputation: Addressing employee claims effectively helps safeguard your company’s reputation. 

Does My Business Need Employment Liability Practices Insurance?

Yes, if your business has employees, you should consider this type of coverage.  Employment lawsuits 2can be a major financial blow to small businesses, and standard liability policies don’t cover them. 

How much does employment practices liability insurance cost?

Generally, Gild Insurance clients spend $83 a month on their EPLI. Several factors can influence the cost of your employment practice liability insurance including: 

  • Number of employees 
  • Your business’ industry 
  • Employee turnover rate 
  • Implementation HR policies and employee training 

The best way to find your employment practice liability insurance cost is to get a free, online quote in minutes!

Get an Employment Practices Liability Insurance Quote!

Your Gild Insurance Agent is here to understand your business and find the right coverage tailored to your needs.

For a free, online quote in minutes, try out Gildber! The fast, hassle-free option for a business insurance. 

1 Insurance Information Institute, Employment Practices Liability Insurance 

2 U.S. Equal Employment Opportunity Commission, Enforcement and Litigation Statistics