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Business Insurance

Does Your Business Need Employment Practices Liability Insurance (EPLI)?

By November 18, 2019December 11th, 2019No Comments
Group Voluntary Benefits

Unfortunately, employee lawsuits are becoming more common and can have a severe impact on an organization. In the last couple of decades employee lawsuits have risen over 300% with wrongful termination and discrimination suits leading the way. The financial impact can be significant as the average cost of a discrimination claim is $125,000 and 25% of judgements exceed $500,000. The question you have to ask yourself is can we afford a $125,000 lawsuit?

Employment practices liability insurance (EPLI) covers claims arising from employment related issues from current and former employees including job candidates. The most frequent type of claims covered include wrongful termination, discrimination, harassment and retaliation suits. However, there many different types of claims the policy will cover.

  • Defamation
  • Invasion of privacy
  • Failure to promote
  • Deprivation of career opportunity
  • Negligent evaluation
  • Wage and hour violations
  • Breach of contract
  • Many more


Who needs Employment Practices Liability Coverage (EPLI)? Any business with employees has some degree of exposure to employee related lawsuits. Although larger organizations may have more exposure based on their number of employees, smaller companies are at risk as well. To better understand the level of risk your organization faces, contact us at Field-Waldo Insurance. Our process will help you determine the steps you should take to protect your company.