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Employment Practices Liability Insurance

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.

Many businesses assume their General Liability or Business Owner’s Policy will cover an EPLI claim. Unfortunately, that is simply not the case.  

Get the right coverage today to protect your assets and reputation.


Simply fill out the form below and one of our helpful agents will contact you to discuss your needs.

Employment Practices Liability Coverage

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 Is Employment Practices Liability Insurance (EPLI) and What Does It Cover?

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.

However, there are losses and claims an EPL policy will not cover, some of which include:

        • Penalties
        • Civil fines
        • Criminal fines
        • Unpaid wages
        • Liabilities for acts of intentional or dishonest wrongdoing
        • Claims related to unemployment benefits
        • Claims related to workers compensation

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 Business Owners 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.

Key Benefits to get

Insurance from Bethany

Bethany Insurance Agency understands that there are many agencies to choose from; however, there are reasons our clients choose Bethany

Competitive Prices

We shop rates from 20+ top-rated carriers to find you the best prices


Team of professionals that are determined to make insurance simple

Mobile Access

Access your policy(s) from anywhere on your mobile device

Custom Policies

Custom tailored policies to fit your individual business needs

Protect your Business


Bethany Insurance Agency


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