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Employment Practice Liability

What is Employment Practices Liability Insurance (EPLI)?

Employment Practices Liability Insurance (EPLI) protects businesses from claims made by employees (or former employees) alleging violations of their legal rights. This includes claims of discrimination, wrongful termination, harassment, retaliation, failure to hire or promote, and other employment-related issues.

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Why Do Businesses Need EPLI?

  • Legal Protection: Employment-related lawsuits are increasingly common and can be financially devastating—even if your business did nothing wrong.

  • High Cost of Claims: Legal fees, settlements, and court awards can quickly add up, even for small businesses.

  • Changing Laws: With evolving federal, state, and local employment laws, EPLI helps businesses stay protected from unintentional violations.

  • Reputation Management: EPLI can include coverage for reputational damage and public relations support in the event of a claim.

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Who Needs EPLI?

  • Small to Large Businesses: Any business with employees is exposed to employment-related risks.

  • Startups & Growing Companies: Fast growth often leads to HR mistakes that could trigger claims.

  • Businesses Without a Dedicated HR Team: Lack of formal procedures increases liability risks.

  • Companies with High Employee Turnover: More transitions mean higher risk of disputes.

  • Industries with Client-Facing Staff: Hospitality, healthcare, retail, and education are particularly vulnerable to third-party claims of harassment or discrimination.

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