The Hartford Employment Practices Liability Insurance
The Hartford Employment Practices Liability Insurance (EPLI)
The Hartford's EPLI is built into its Business Owner's Policy for most classes, is included in its Private Choice Premier package policy, and is also sold stand-alone as Employers Premier Choice. 1Company-reported. EPLI product page as read 2026-09-23.
Issuing Insurer
The Hartford names Hartford Underwriters Insurance Company as the writing company for the described $25,000 Spectrum EPL limit, though other EPLI products on the page (BOP-included, Private Choice Premier, Employers Premier Choice) are not each tied to a named writing company on this page. 1Company-reported. EPLI product page footnote as read 2026-09-23.
Who It’s For
The Hartford's footnotes say there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on the page does not apply to EPL coverage written in California. Coverage and limits also vary by state and business class. 1Company-reported. EPLI product page footnotes as read 2026-09-23 (page last updated by The Hartford November 26, 2025).
Coverage Features
The Hartford says its EPLI covers claims of discrimination (including age), retaliation, FMLA violations, wrongful discipline or termination, failure to promote, and harassment, and that third-party EPLI (claims from customers, vendors or business invitees, not just employees) is included for most businesses. Its BOP also automatically includes Wage and Hour Defense Cost coverage as part of the built-in EPLI. 1Company-reported. EPLI product page as read 2026-09-23. General coverage description; the issued policy controls.
Limits and Retentions
The Hartford's EPLI footnote states a $25,000 limit applies to Spectrum business written in Hartford Underwriters Insurance Company. 1Company-reported. EPLI product page footnote as read 2026-09-23. Applies specifically to Spectrum-program business at that writing company; other products/limits are not addressed.
Risk Services
The Hartford says it gives employers access to hartfordhelp.com, a proprietary site with web-based training on topics like sexual harassment and wrongful termination, current articles on employment-practices trends, and model employment policies and handbooks; this program requires purchase of increased EPL limits and may not be available in all states. 1Company-reported. EPLI product page as read 2026-09-23.
The Hartford Employment Practices Liability Insurance Compared
Other The Hartford Coverage Lines
Sources
- Employment Practices Liability Insurance | EPL Insurance. The Hartford; What Is Employment Practices Liability Insurance?; Why Do I Need EPLI?; If You Have Employees, You Need EPLI; Prevention Is Your Best Protection; footnotes 1-4 on state availability and Wage and Hour Defense Cost. Accessed 2026-09-23.
