Seguro de Responsabilidad por Prácticas Laborales

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.

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.

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.

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.

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.

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.

Physical injury and damage are covered by general liability, not EPLI.

Wage and hour damages are often excluded or limited, though defense costs may be available in some forms.

Willful violations of law by the business are generally excluded.

Medical and wage benefits for on-the-job injuries fall under workers compensation.