epli – insuresque

Protect your people and your business.

Employment Practices Liability Insurance helps cover claims alleging wrongful employment practices, protecting your organization from costly disputes involving employees, applicants, and third parties.

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Standard coverages & limits

Every EPLI policy is built on the same principle: providing protection when everyday workplace decisions lead to costly employment-related claims.

$1,000,000+

Each Occurrence

$1,000,000+

General Aggregate

Wrongful Termination

Claims alleging unlawful or improper dismissal.

Discrimination

Claims involving protected characteristics such as age, sex, race, disability, or religion.

Sexual Harassment

Allegations of unwelcome sexual conduct or harassment in the workplace.

Workplace Harassment

Claims involving bullying or harassment based on protected characteristics.

Retaliation

Claims alleging punishment after reporting misconduct or participating in an investigation.

Failure To Hire Or Promote

Claims alleging discriminatory hiring, promotion, or advancement decisions.

Unequal Employment Practices

Claims involving unequal pay, benefits, evaluations, or workplace opportunities.

Workplace Defamation

Claims alleging harmful false statements about an employee or applicant.

Invasion Of Privacy

Claims involving improper collection, use, or disclosure of employment information.

Third-Party Liability

Claims brought by customers, vendors, or other nonemployees alleging harassment or discrimination.

Defense Costs

Legal fees, investigation expenses, settlements, and judgments for covered claims, subject to policy terms

Entity Coverage

Protection for the company, usually included under private company EPLI policies.

Annual premiums start from $1,000. Higher limits are available depending on risk profile.

Common endorsements & optional coverages

Standard EPLI policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.

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Wage and Hour Defense

Covers defense costs for certain wage, overtime, classification, or compensation-related allegations.

Immigration Claims Defense

Helps cover defense expenses arising from alleged immigration-related discrimination or improper employment practices.

Workplace Violence Response

Covers counseling, crisis management, and related services following a covered workplace violence incident.

Employee Benefits Liability

Protects against administrative errors involving employee benefits, enrollment, eligibility, or communications.

Class Action Defense

Provides defense coverage for qualifying employment-practices class or collective actions.

Defense Outside Limits

Pays covered defense expenses separately, preserving liability limits for settlements and judgments.

How pricing works

Premiums vary by business type, risk level, and coverage details—not a flat rate.

Company Size And Revenue

Larger organizations typically face greater claim frequency and larger potential settlements.

Ownership And Listing Status

Public companies often pay more because of securities litigation exposure.

Claims History

Past claims signal future risk, often raising premiums for businesses with frequent losses.

Coverage Limits

Higher liability limits and lower deductibles increase your policy's overall annual premium cost.

Financial Condition

Debt levels, liquidity, profitability, restructuring, insolvency risk, and bankruptcy concerns affect pricing.

Corporate Governance

Board independence, committee structure, meeting practices, oversight, and governance policies.

Who needs EPLI insurance?

Businesses with employees.

Professional service firms.

Any employer facing potential employee or applicant claims involving discrimination, harassment, retaliation, or wrongful termination.

Nonprofit organizations.

Construction and contracting companies, Healthcare organizations.

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How it works

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