EPLI
Quick Answer
Employment practices liability (EPLI) for California businesses: wrongful termination, harassment, discrimination, and retaliation coverage. Essentia…
Employment practices liability (EPLI) for California businesses: wrongful termination, harassment, discrimination, and retaliation coverage. Essentia…
Prepare your employment practices coverage request
Count employees by where they work, including remote, part-time, temporary and leased staff. Explain who makes hiring, promotion, discipline and termination decisions, then compare the requested liability limit with the retention your organization could fund.
Use Step 1 to save your contact and workforce basics. Continue to the established EPLI application page to select limits, review the coverage summary and attach supporting documents. Coverage is subject to carrier underwriting and policy terms.
EPLI Insurance
Employment practices liability insurance (EPLI) protects employers from claims by current, former, and prospective employees alleging violations of their employment rights. The most common claims are wrongful termination, workplace discrimination (race, gender, age, disability), sexual harassment, a…
Key Coverages for EPLI Businesses
- Wrongful termination defense and damages
- Workplace discrimination based on any protected class
- Sexual harassment by supervisors, managers, or co-workers
- Retaliation for protected activity including whistleblowing
- Failure to hire or promote claims
- Third-party harassment claims from customers or vendors
Frequently Asked Questions
Does EPLI cover wage and hour claims?
Standard EPLI policies exclude wage and hour claims (unpaid overtime, meal break violations, misclassification). Some carriers offer a wage and hour defense costs endorsement covering legal defense but not back-pay damages. California employers face …
Does my BOP include EPLI?
Some BOPs offer an EPLI endorsement, but limits are typically low ($50,000–$100,000) and may exclude important coverage categories. A standalone EPLI policy provides broader coverage, higher limits, and dedicated underwriting. For any business with e…