What it covers
- Claims of wrongful termination, discrimination, harassment, retaliation
- Defense costs — often the largest piece — even for meritless claims
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EPLI, in plain English.
Employment practices liability covers claims of wrongful termination, discrimination, harassment, and retaliation, including defense costs, which are often the largest piece.
When you need it
- From your first employee; risk grows with headcount
- Around layoffs, terminations, and fast growth
Common gaps
- Wage-and-hour claims commonly excluded or sublimited
- Third-party coverage (claims from customers or vendors) not included
- High retentions that surprise at claim time
Who it's for
- Every employer — especially without in-house HR or counsel
- HR managers who want defense behind their policies
This page is general information, not advice about your specific situation, and not a quote, binder, or contract of insurance. Actual coverage is governed solely by the terms, conditions, and exclusions of the issued policy.
Who usually needs it
See EPLI in your industry.
Related reading
Understand it before you buy it.
Why we ask for supplemental applications
The clearer the picture we paint for underwriters, the better your coverage and pricing. Vague submissions get defensive quotes.
Read · 2 min →Loss runs: your insurance credit report
Every underwriter reads your claims history before pricing you. What they see in it, how to get yours, and how to keep it clean.
Read · 2 min →The renewal is won 90 days out
By two weeks before renewal, most of the outcome is decided. A realistic timeline for getting your program marketed properly.
Read · 3 min →