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Employee Practices Liability Insurance (EPLI)

Protect your business against claims made by current or former employees for discrimination or a violation of their rights.

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What Does Employee Practices Liability Insurance Cover?

Employment practices liability insurance or EPLI insures businesses allegations made by employees for causes like wrongful termination, discrimination, and sexual harassment.

Wrongful Termination

EPLI protects a business when an employee claims they were released from their employment for an unjust or illegal cause. Some states have strict guidelines outlining the circumstances under which an employee can be terminated.


When an employee believes they received unequal treatment because of age, race, religion, gender, or sexual preference, they may file a discrimination claim. EPLI will help pay the costs of managing the claim and any financial damages.

Sexual Harassment

A sexual harassment or workplace harassment is made when an employee believes they are a victim of inappropriate touching, dialogue, offensive imagery, or material that makes them feel uncomfortable or threatened. This can include overhearing or witnessing inappropriate acts.

Failure to Promote

A claim made for the reason of a failure to promote may be made by any employee who believes they are underserved by a business. This can happen when and employees compares their own capabilities, experience, and performance to those of other employees or merits established by a business.

Breach of Contract

An employee might allege a breach of contract when they believe they were denied promised compensation in the form of a pay increase, bonus, vacation time, or another benefit. The includes any former employee who believes they were owed compensation when their employment was severed.


An employee might report or witness a workplace problem and believe they were later denied a promotion or were terminated as a consequence of reporting it. If true, they may allege the business retaliated against them.

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