Employment Practices Liability Insurance (EPLI)
Even the best-run businesses can face claims of wrongful termination, discrimination, or harassment. Employment Practices Liability Insurance (EPLI) helps protect your company from the high costs of these lawsuits. At The Mackrides Insurance Group, we provide EPLI coverage to businesses across Pennsylvania to help them navigate these risks with confidence.
Do I Need EPLI Coverage?
Any business with employees-no matter its size-can face workplace-related claims. EPLI ensures you have financial protection when these issues arise.
Covers Workplace Claims
EPLI helps defend against claims made by employees, job applicants, or contractors.
- Wrongful termination or demotion
- Discrimination based on race, gender, or age
- Harassment or hostile work environment
Helps With Legal Expenses
Lawsuits can be costly, even if your company is not at fault.
- Attorney fees and court costs
- Settlement or judgment payments
- Defense against both valid and false claims
Protects Growing Businesses
As your team expands, so does the potential for employee disputes.
- Essential for companies with HR exposure
- Great for small and mid-sized businesses
- Complements general liability coverage
Applies Across Industries
EPLI allows business owners to focus on running their company instead of worrying about lawsuits.
- Reduces financial strain during disputes
- Affordable protection for all industries
- Available as standalone or add-on coverage
EPLI policies generally include protection against:
What Does EPLI Cover?
Wrongful Termination
Claims of improper firing or layoffs.
Discrimination
Allegations related to hiring, promotions, or treatment.
Sexual Harassment
Workplace harassment claims.
Retaliation
Accusations of punishing employees for complaints or whistleblowing.
Failure to Promote or Hire
Claims tied to employment decisions.
Understanding EPLI Options
We'll help you choose the right EPLI policy based on your workforce and risk exposure:
- Standalone EPLI Policies - For larger businesses or higher-risk industries.
- Add-On Coverage - EPLI can often be added to a Business Owners Policy (BOP).
- Third-Party Liability Options - Protection against claims from customers or vendors.
- Flexible Limits & Deductibles -
Customized to your budget and risk profile.
Frequently Asked Questions
Does general liability cover employee lawsuits?
No. General liability excludes workplace-related disputes. EPLI is designed for this risk.
Who can file an EPLI claim?
Current or former employees, job applicants, and even third parties such as vendors.
Is EPLI only for large companies?
No. Small and mid-sized businesses are often more vulnerable to employment claims.
How much does EPLI cost?
Cost depends on company size, industry, and claims history. We'll help you find affordable options.
Does EPLI cover wage disputes?
No. EPLI doesn't cover wage or hour claims, but other policy types may help.
