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Haylor Risk Management Blog

Why do I need Employment Practices Liability Insurance?

Posted by Risk Management Team on Mar 28, 2016 9:34:24 AM

Employment Practices Liability Insurance 

Owning a business can be very overwhelming at times. Hiring qualified personnel is very important when trying to build clientele or maintain reputation in your industry and /or the community.   There are times when employees will clash or there may be issues with verbiage or an inappropriate touch. Your businesses could see a decrease in profit and need to reduce the workforce or  terminate employment due to lack of productivity that even counseling cannot resolve. Decisions of this nature can be very difficult and can cause retaliation which could be very damaging if not handled legally and ethically. There are so many potential issues that have to do with the; hiring, firing, and maintenance of personnel that the need for Employment Practices Liability Insurance or EPLI is significant and well worth the cost.




EPLI is coverage that will help with the costs associated with claims and legal fees from employees who believe that they were in some way wronged during or at the end of their employment with your business. Some examples of claim types are: sexual harassment, wrongful termination, discrimination, breach of contract, violation of the Family Medical Leave Act or FMLA, violation of the Americans with Disabilities Act and so many more. Typically, EPLI does not cover unemployment benefits, criminal activity or wage/hour laws. There are a variety of insurance policies that are recommended for businesses, regardless of size, to cover all aspects that may become problematic down the road. 

Download this informative EPLI Claim Case Study