Employment Practices Liability Insurance (EPLI)
Additional Protection for Your Business
What Is Employment Practices Liability Insurance (EPLI) And What Does It Cover?
Employment Practices Liability Insurance (EPLI) includes coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment, and Retaliation.
Even with the most stringent employee training and policies in place, employment practices liability coverage is important to consider since employees can still allege wrong-doing, even if your organization has done nothing wrong.
What EPLI Covers
Employment Practices Liability (EPLI) provides coverage for legal costs, settlements and judgments that arise from claims of:
- Discrimination, based on age, race, gender and other factors.
- Sexual harassment.
- Wrongful termination—including constructive discharge, in which an employee resigns as a result of the employer creating a hostile work environment; and retaliatory discharge, in which an employee is fired as punishment for engaging in a legally protected activity.
- Breach of employment contract.
- Infliction of emotional distress or mental anguish.
- Failure to employ or promote.
- Wrongful discipline or demotion.
- Mismanagement of employee benefits.
- Defamation.
- Privacy violations.
- Violation of the Family Medical Leave Act or other such laws.
Why Choose Bethany Insurance Agency?
EPLI policies can be affordable for a small business. Depending on the size of your company, EPLI can be offered as an endorsement to a Businessowners policy (BOP) or a general liability policy. Also, a specific stand-alone policy can be written in conjunction with a BOP. Contact a specialist at Bethany Insurance Agency who can help you understand your options for EPLI coverage.
We provide complete insurance and risk management solutions
tailored to your unique needs. Bethany is currently licensed in 19 states, and
we continue to grow. We have relationships with the nation’s top carriers, many
of which continually earn some of the highest ratings from A.M. Best, the
leading independent rating authority.