Employment Practices Liability Insurance protects your business against claims made by employees, former employees, and job applicants alleging wrongful employment practices. Discrimination, wrongful termination, sexual harassment, retaliation, wage and hour disputes — these claims are increasing every year and can cost businesses hundreds of thousands in defense and settlements, even when the claims are unfounded. EPLI covers what your general liability policy explicitly excludes.
Every business with employees. EPLI is especially critical for businesses with 10+ employees, businesses in states with strong employee protection laws (like California, New York, Florida), companies going through layoffs or restructuring, and industries with high employee turnover.
EPLI premiums typically range from $800–$3,000/year for businesses with 10–50 employees. Larger companies or those in high-risk industries may pay $5,000–$15,000+. The cost of a single employment lawsuit (often $75,000–$300,000+) makes EPLI one of the highest-ROI coverages available.
No. General liability explicitly excludes employment-related claims. Without EPLI, your business pays for employment lawsuit defense and settlements out of pocket — which can be devastating even for meritless claims.
Yes. Businesses of all sizes face employment claims. In fact, small businesses are often more vulnerable because they may lack formal HR policies, documentation, and training that larger companies use to defend against claims.
Get a free quote or call (321) 206-8035.