Coverage for defense costs and damages related to employee issues.

EPLI or Employment Practices Liability Insurance is coverage for defense costs and damages related to employment claims alleging wrongful termination, discrimination, workplace harassment and retaliation, among others. Many employers think of employees as family, unfortunately, employees don’t always feel that way.

Companies with even one employee may be subject to liability under some federal and state laws. State laws vary widely but once you’ve reached 20 employees, most of the significant discrimination laws apply to your operation.

• Covid-19
• Equal pay for wage laws
• Age discrimination
• Wage and hour claims
• Retaliation against employees
• Sexual harassment
• Misclassification of contractors
• Undocumented workers

The Immigration Reform Act holds companies responsible for verifying that all workers have appropriate documentation, which can be difficult. This coverage is considered an employment issue but it is not typically included in your EPLI policy, it must be added separately.