Employment Practices Liability Insurance
Coverage for claims employees bring over how they were treated at work: wrongful termination, discrimination, harassment, and retaliation. It pays defense costs and covered settlements, which general liability excludes.
We shop the market for you, no broker fees
Hiscox
Employment practices liability
Chubb
Management liability
Travelers
Employment practices liability
The Hartford
Small business management liability
Markel
Management liability
Great American
Executive liability
Philadelphia Insurance Companies
Employment practices liability
AmTrust
Management liability
Built for California employers
- Businesses that hire, discipline, and fire staff
- Growing teams adding employees
- Employers in employee-friendly California
- Companies a client or investor requires it from
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Your class of business and what you actually do day to day
- Annual revenue, and payroll where the line rates on it
- How many people work for you, including subcontractors
- Where you operate, down to the ZIP and the building
- The limits and deductible you choose
- Your claims history over the last three to five years
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Text us. We're by your side.
What this policy covers
Wrongful termination claims
Allegations that an employee was fired unlawfully, including retaliation claims.
Discrimination and harassment
Claims based on protected characteristics or a hostile work environment.
Defense costs
The cost of defending a claim, which often exceeds any settlement, even when the claim lacks merit.
Related workplace claims
Failure to promote, wrongful discipline, and certain retaliation allegations, depending on policy terms.
Frequently asked questions
What is EPLI insurance?
Employment practices liability insurance covers claims that employees bring over how they were treated at work: wrongful termination, discrimination, harassment, and retaliation. It pays defense costs and covered settlements or judgments, subject to your limits and any deductible.
What does EPLI cover?
The core claims are wrongful termination, discrimination, harassment, and retaliation, plus related allegations like failure to promote or wrongful discipline. Some policies extend to claims from third parties, such as customers, and to wage and hour defense on a limited basis. Coverage varies by carrier.
How much does EPLI cost?
Cost reflects your employee count, industry, location, and claims history. California businesses often face higher exposure because of employee-friendly labor laws, which can affect pricing. We quote it against your actual headcount and operations rather than a flat rate.
Does my small business need EPLI?
Any business with employees has this exposure, and small businesses are not exempt from employment claims. A single wrongful termination or harassment suit can cost tens of thousands in defense alone. If you hire, discipline, or fire staff, EPLI is worth pricing.
How is EPLI different from general liability?
General liability covers bodily injury and property damage to third parties. EPLI covers employment-related claims from your own workers, which general liability specifically excludes. They address entirely different risks, so most employers need both.
Does EPLI cover wrongful termination?
Yes, wrongful termination is one of the central claims EPLI is built for, including firings alleged to be discriminatory or retaliatory. The policy typically funds the defense and any covered settlement or judgment, subject to your limit and retention.
Does this policy cover bodily injury and property damage?
Physical injury and damage are covered by general liability, not EPLI.
Does this policy cover unpaid wages and benefits?
Wage and hour damages are often excluded or limited, though defense costs may be available in some forms.
Does this policy cover intentional or deliberate wrongdoing?
Willful violations of law by the business are generally excluded.
Does this policy cover workplace injury benefits?
Medical and wage benefits for on-the-job injuries fall under workers compensation.
Get an EPLI quote for your business
Tell us your headcount, industry, and location. We compare carriers and confirm the limits and retention fit how you operate.