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EPLI Is an Important Aspect of Business Liability Protection

When you’re protecting your business from potential liabilities in today’s litigious climate, employment practices liability insurance is an essential component of your coverage.

Also known as EPLI, this insurance can help protect your business from employment-related claims.

Without this protection, you could be forced to pay for a settlement or lawsuit out of your own pocket, which could be financially punitive enough to result in you closing your doors permanently.

What EPLI Covers

Employment practices liability insurance covers a range of vulnerabilities related to hiring and firing workers. Common claims include allegations of:

• Wrongful termination, or firing someone for the wrong reasons
• Discrimination against an employee based on age, sex, race, disability, or other protected status
• Harassment, including sexual harassment
• Failure to promote

EPLI may help pay for costs involved in these cases, including legal and court fees, settlements, and court judgments. Policies may pay for claims brought by company employees; however, some EPLI policies also cover incidents involving vendors, customers, and other business associates.

EPLI for Small Businesses

Because large enterprises have their own HR, risk management, and legal departments, they usually carry EPLI.

However, many smaller ventures may not realize that they might need this coverage too.

In fact, small businesses are most at risk when it comes to employment practices claims, since they are more likely to have a less stringent set of policies and procedures regarding hiring and employment.

Employment practices liability insurance is appropriate for businesses of all sizes, public and private.

It’s also purchased by financial and educational institutions, as well as by nonprofit organizations.