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What is employment practice liability insurance?

If you run a business with employees, EPLI is almost certainly a must-have, even for businesses with only a few employees.

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The insurance concept is pretty simple. We buy insurance to protect us from loss.

Where things can get confusing is when the talk turns to specific coverages. Take, for instance, Employment Practices Liability Insurance, which your agent may refer to as EPLI. If you run a business with employees, EPLI is almost certainly a must-have, even for businesses with only a few employees.

But what is it? And why do you need it?

EPLI protects businesses from the losses that could result from hiring and dismissing employees, harassment, and promotions and demotions. In today’s litigious society, these types of claims have become more frequent and at times costly to employers. While coverages can vary, generally EPLI protects against:

  • Wrongful termination
  • Wrongful demotion
  • Harassment
  • Defamation of character
  • Acts that invade employees’ right to privacy
  • Failure to promote a qualified employee

When purchasing EPLI coverage, businesses may want to look for a company that offers free value-added features that complement the protection with:

  • Consultative services for employment practices questions
  • Templates of employment and human resources documents
  • Self-audit checklists
  • Educational articles and resources

For employers both large and small, EPLI provides exceptional peace of mind and premiums are quite reasonable. To learn more about the coverage, speak with your independent insurance agent.

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Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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