Employment Practices Liability Insurance (EPLI)
You treat your employees like family, but sometimes that isn’t enough. When your company is facing an employment lawsuit, you can turn to your employment practices liability insurance to help cover the costs.
EPLI protects your business from the financial consequences of lawsuits for:
- Defamation
- Sexual harassment
- Wrongful discipline
- Other personnel issues
Even if you have only one employee, you’re still subject to anti-discrimination laws.
EPLI coverage reimburses your company for the costs of answering a lawsuit in court, and for any judgements or settlements if your company is held liable. We’ll help you with attorneys focused on the law so you can keep focusing on your business.
This coverage is available on our Businessowners and Commercial Package policies.
Reduce Your EPLI Risk
The U.S. Equal Employment Opportunity Commission estimates there are more than 65,000 charges of workplace discrimination filed each year nationally, often related to issues of race, gender, and/or disability. If a discrimination case is ruled against an employer, it can cost the employer $10,000 or more for each incident.
Here’s what you can do to reduce the chance of discrimination and other employment-related lawsuits by your employees.
- Be clear that harassment and discrimination are not allowed in your workplace. Specify the types of behaviors that are not acceptable.
- Develop effective screening programs to avoid discrimination when recruiting and hiring.
- If a complaint is filed, document everything that’s said or done related to the incident.
- Make sure every employee knows their rights and what they should do if there’s an incident.
- Outline clear steps for employees to follow if they are harassed or discriminated against by a supervisor or manager.
- Provide a confidential way for employees to report incidents.
- Regularly review employee handbooks, new hire packages, and discrimination policies. Make sure they are comprehensive and reflect your company’s values and guidelines.
- Review your employee management procedures to avoid discrimination.