Employment Practices Liability Insurance
Protection for the People Side of Your Business
Coverage for Employment-Related Claims
Decisions about hiring, managing, promoting, disciplining, accommodating, and terminating employees are part of running a business.
Employment Practices Liability Insurance, commonly called EPLI, is designed to respond to certain claims alleging wrongful employment practices. Depending on the policy, those claims may be brought by applicants, current employees, or former employees.
EPLI can help address covered defense costs and certain settlements or judgments arising from employment-related allegations, subject to the policy's terms, exclusions, limits, and retentions.
What Can EPLI Help Address?
Coverage varies by insurer and policy, but EPLI commonly addresses certain allegations involving employment-related wrongful acts.
Discrimination
Certain claims alleging unlawful discrimination in hiring, employment decisions, working conditions, or termination.
Harassment
Certain allegations of sexual harassment or other workplace harassment covered by the policy.
Wrongful Termination & Retaliation
Certain claims alleging wrongful termination or adverse employment action taken in retaliation.
Other Employment Practices
Policies may address certain claims involving hiring, promotion, discipline, supervision, or other defined employment practices.
Claims Can Arise Throughout the Employment Relationship
Employment-related allegations are not limited to termination. They can arise during recruiting and hiring, compensation and working conditions, promotion, discipline, accommodation, leave, and other employment decisions.
Claims may also come from job applicants or former employees, depending on the circumstances and applicable law.
Good Practices Still Matter
Insurance does not replace sound employment practices. Clear policies, consistent documentation, training, and appropriate professional guidance can all play an important role in managing employment-related risk.
What About Wage and Hour Claims?
Wage-and-hour disputes can involve issues such as overtime, employee classification, unpaid wages, and meal or rest period requirements.
These exposures should not automatically be assumed to fall within standard EPLI coverage.
Check the Actual Policy
Many EPLI policies exclude wage-and-hour claims. Some insurers may offer limited defense-cost coverage through an endorsement or sublimit. The availability and scope of that protection varies by insurer and policy.
How DiNicola Can Help
Employment practices coverage can vary considerably between policies. We help clients understand the coverage and the employment-related exposures surrounding their business.
Review Employment Exposures
We look at workforce structure, employment practices, operations, and other factors that may affect EPLI risk.
Compare Policy Terms
We help review definitions, exclusions, limits, retentions, defense provisions, and available endorsements.
Coordinate Coverage
We consider how EPLI fits with D&O, fiduciary, workers' compensation, and the broader insurance program.
Risk Management Resources
We can connect clients with resources that support employment practices, training, and workplace risk management.
Explore Related Management Liability Coverage
EPLI is one part of a broader management liability program. Explore the related coverage areas below.
Directors & Officers Insurance
Coverage addressing certain claims involving leadership, governance, and management decisions.
Learn More →
Fiduciary Liability
Coverage addressing certain claims involving fiduciary duties and the management or administration of employee benefit plans.
Learn More →
Management Liability Overview
See how D&O, EPLI, and Fiduciary Liability fit together within the broader management liability category.
View Overview →Other Business Insurance
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Workers' Compensation
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Business Insurance Overview
Explore Coverage →This page provides general information about Employment Practices Liability Insurance. Coverage varies by insurer and policy. Covered claims, insured parties, exclusions, limits, retentions, defense provisions, endorsements, and other terms are governed by the policy actually issued.
Let's Talk About Your EPLI Coverage
We can help you review your employment-related exposures and understand how EPLI may fit into your broader management liability and business insurance program.