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What is Employment Practices Liability Insurance?

Employment practices liability insurance, commonly known as EPLI, provides coverage to an employer against allegations made by former, current or prospective employees of a wrongful employment act committed by the employer. Wrongful employment acts are allegations ranging from discrimination under Title 7 (sex, race, age, disability, HIV status, etc.) wrongful termination, various forms of harassment to EEOC investigations. The coverage also intends to provide coverage for other employment related issues which are discussed more in depth within the policy language.

Why have EPLI?

Employee discharge is a big risk for an employer. While an employer has the right to hire and fire and will, an employee can threaten to sue for wrongful termination. Even if the employer is innocent, the legal fees to prove it can add up quickly so the easiest way is to simply settle the suit. Unfortunately, the employer ends up losing even if they are innocent. If any employment practices case is brought to court, the employee will win over 60% of the time. While some states have statutes to follow or specific laws to follow to make a case, there is still a risk present.

Play our EPLI True or False Game!

What Are The Costs Associated With Employment Practices Risks?

The median compensatory award to employees is $325,000 and 40% of claims are brought against businesses with fewer than 100 employees. There are ways to avoid having to worry about these risks, most of which involve a lawyer or legal consultant. A firm can have a lawyer on retainer in case of a suit, or it can consult an employment law firm to see what kind of preventative steps need to be taken prior to or in the event of a suit. But a far cheaper option would be to purchase an EPLI policy.

The Apogee Advantage

Our Employment practices liability insurance available through A++ rated, A.M. Best, admitted and non-admitted markets throughout all 50 U.S. states.

Coverage May Include

Insurance for wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

  •  Broad definitions of “Employee” included independent contractors and volunteers available for most classes
  •    Workplace Violence sub-limits available
  •  IRCA investigation sub-limits available
  •    FLSA (Wage and Hour) sub-limits available ranging from $25K - $250K for some classes
  •  Defense outside the limit available
  •    First and Third party coverage available for most classes

Apply Now

First time customers, learn about Apogee and fill out our form.

Send submissions to submissions@apogeeinsgroup.com

Submission Requirements:

  • Application
  • Loss runs, if available
  • Copy of current dec page, if available

Employment Practices Liability Application:


Available Markets

One Beacon
Berkley Select
New Dawn

See Apogee ProductsWe Place All Types of Professional Liability

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