What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts.
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What Does Employment Practices Liability Insurance Cover?
A written demand from a former employee may start a notice deadline before a lawsuit is filed. 2,3
Employment practices liability insurance can address claims alleging workplace wrongdoing, including discrimination, harassment and wrongful termination. 1People and Allegations
Who Needs Employment Practices Liability Insurance?
If you employ people, a written demand or workplace claim can bring legal fees and notice deadlines. Applicants and former employees may also be involved. 4 4
Employment Practices Liability Insurance Coverage Examples
A Former Employee Challenges a Dismissal
A former employee sends a demand alleging that their dismissal was discriminatory.
When Does a Claim Need Attention?
A Claim Can Precede a Lawsuit
Earlier Events and the End of Coverage
How Do You Compare Employment Practices Liability Insurance Coverage and Costs?
Limits, Defense and Settlement
A claim brings decisions about lawyers, spending and settlement. The policy determines who selects counsel, who controls the defense and when you need the insurer's consent. If you have a preferred employment lawyer, confirm whether they can handle a covered claim before committing to their fees. 3
Ask what extra cost you could bear if you decline an insurer-recommended settlement. 2 3 3 2Third Parties and Restricted Costs
What Do You Need for Employment Practices Liability Insurance Quotes?
Workforce and Coverage History
Employment Practices Alongside Insurance
Employment Practices Liability Insurance: Key Terms in Plain English
Third-Party EPLI
Protection for covered discrimination or harassment claims by customers or other nonemployees. 2
Defense Costs
Legal spending on a claim. Compare who selects counsel and whether the spending reduces the settlement limit. 3 3
Employment Practices Liability Insurance: A Policy Example to Compare
See Corgi's guide for an example of one provider's coverage terms and optional extensions.
Frequently Asked Questions About Employment Practices Liability Insurance
Do I Need to Report a Demand Before a Lawsuit?
Do I Need to Report a Demand Before a Lawsuit?
Does EPLI Cover Every Employment-Related Payment?
Does EPLI Cover Every Employment-Related Payment?
No blanket promise applies. Wage-and-hour disputes, contractual payments, benefit obligations and punitive damages can have different restrictions. 2
Can EPLI Cover Claims From Job Applicants or Former Employees?
Can EPLI Cover Claims From Job Applicants or Former Employees?
EPLI can address claims involving applicants, current employees and former employees. Check the policy's definitions, including how it treats temporary staff and contractors. 1
Does General Liability Insurance Replace EPLI?
Does General Liability Insurance Replace EPLI?
Do not assume general liability provides employment protection. Check whether EPLI is included separately in your package or whether you need a separate policy. 1
What Are Some EPLI Claim Examples?
Common EPLI claims include discrimination, harassment, retaliation, wrongful termination, and hiring disputes.
What Is EPLI Insurance?
EPLI is liability insurance that can pay covered defense costs and losses for claims alleging wrongful employment practices.
Does D&O Cover Employment Lawsuits?
Only partly—D&O may respond to covered claims naming leaders, but EPLI is designed for employment allegations.
Does EPLI Cover a Hostile Work Environment?
EPLI may cover hostile-work-environment claims when the allegations fit its harassment or discrimination coverage.
Does EPLI Cover Applicants?
EPLI often covers applicants alleging discrimination or other wrongful hiring practices.
Does EPLI Cover Defamation?
EPLI may cover workplace defamation when the policy includes employment-related libel or slander.
Does EPLI Cover Discrimination?
EPLI commonly covers employment discrimination allegations, subject to the policy’s wording and exclusions.
Does EPLI Cover Failure to Hire?
EPLI often covers claims that an employer unlawfully failed to hire an applicant.
Employment Practices Liability Insurance Guides by State
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Which Insurance Providers Offer Employment Practices Liability Insurance?
AIG Employment Practices Liability Insurance
Alliance Risk arranges employment practices liability insurance.
Amelia Risk arranges employment practices liability.
Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Beazley offers employment practices liability insurance for private organizations through ExecuGuard.
BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.
CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
Chubb offers employment practices liability insurance.
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Corgi lists employment practices liability among its business-insurance offerings.
Named Employment Practices Liability product; examples and policy terms govern.
Coverdash lists employment practices coverage in its quote catalog.
Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
Embroker offers quotes for employment practices liability as an individual coverage.
Founder Shield lists employment practices liability among its core coverage services.
Gallagher arranges employment practices liability.
Heffernan arranges employment practices liability.
HUB International arranges employment practices liability insurance.
A group brand spanning personal and commercial insurance businesses; its business unit pages describe small-commercial cover for small businesses and commercial, specialty, surety, and reinsurance solutions for mid-size and large businesses.
Lockton arranges employment practices liability insurance.
Markel employment practices liability
Marsh arranges employment practices liability insurance.
Business insurance and employee health and benefits, with retirement, wealth, and private-client services also listed for the United States and Canada.
Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.
Relm lists employment practices liability for placement through brokers.
RiskCube arranges employment practices liability insurance for startups.
StartupInsurance.ai arranges employment practices liability insurance for startups.
TechInsurance arranges employment practices liability insurance for small businesses.
Listed as employment-practices liability for the named commercial sector examples.
The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers employment practices liability insurance.
USI arranges employment practices liability insurance.
Vouch lists employment practices liability within its insurance programs for technology companies.
WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
Zurich markets Employment Practices Liability Insurance (EPLI).
