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Employment Practice Liability Insurance (EPLI)
Liability Insurance (EPLI)
Employment Practice Liability Insurance (EPLI) coverage is a safety net for employers. The AdvanStaff HR program makes this coverage affordable.
Talk to your HR Specialist for more information on EPLI coverage.
What is Employment Practices Liability Insurance?
EPLI covers businesses against claims by workers that feel their legal rights as employees of the company have been violated.
The number of lawsuits led by employees against their employers has been rising. No company is immune to such lawsuits and we recognize that smaller companies now need this kind of protection.
EPLI provides protection against many kinds of employee lawsuits, including claims of:
- Sexual harassment
- Wrongful termination
- Breach of employment contract
- Negligent evaluation
- Failure to employ or promote
- Wrongful discipline
- Deprivation of career opportunity
- Wrongful iniction of emotional distress
- Mismanagement of employee benet plans
EPLI excludes any issues related to National Labor Relations Board (“NLRB”) charges.
AdvanSta HR has access to insurance programs at better rates than most companies would have access to on their own. Based on our purchasing power and economies of scale for grouping together small businesses, our clients can qualify for programs not previously available. EPLI is one of these programs.
How much does coverage cost?
The cost of EPLI coverage depends on your type of business, the number of employees you have, the state in which you operate and various risk factors (such as whether your company has been sued over employment practices in the past.)
The policy will reimburse your company against the costs of defending a lawsuit in court and for judgments and settlements (less the deductible.) The policy covers legal costs, whether your company wins or loses the suit. Policies also typically do not pay for punitive damages or civil or criminal nes. Liabilities covered by other insurance policies such as workers compensation are excluded from EPLI policies.
AdvanStaff HR reserves the right to not offer coverage to all employers.