Why do I need EPLI? What IS EPLI?

Every small business owner knows they need property insurance and general liability.  But what about EPLI, or Employment Practices Liability Insurance? Did you know that employers are more likely to have an EPLI claim than a property or general liability claim?

According to the Equal Employment Opportunity Commission (EEOC), there are over 90,000 EPLI claims each year, with an average cost of $450,000.  And 41% of those claims are against small businesses (companies with less than 100 employees.  In fact, 30% of all civil litigation deal with employment issues, with two-thirds found in favor of the plaintiff.

What exactly is EPLI and what does it cover?  EPLI protects the employer against claims (typically both legal costs and damages awarded to the plaintiff) made by the employee regarding:

  • Discrimination in hiring practices
  • Wrongful termination
  • Harrasment
  • Employment-related emotional distress and invasion of privacy
  • Defamation of character
  • Retaliatory/constructive discharge


Please contact us today so we can make sure you’re properly protected.

Contact Us!

 At Alpha/Omega Coverage, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. In addition, our financial division, Alpha/Omega Financial Services, offers a complimentary financial review to all new and existing clients. Just give us a call at 718-494-4440 or send us a note at Mike@insureSI.com.   We want to help you meet your goals, and make sure what’s important to you is protected!



The author is providing the material and viewpoints on a generic informational basis. All references to various insurance policies, coverage terms, policy language, exclusions, definitions etc. are from a broad selection of general insurance information. It is not intended to be used for any specific policy or coverage situation. The views expressed by the author do not necessarily represent the views of the insurance companies it represents.  Content has been referenced from Independent Agent Magazine. 

Posted on: July 10th, 2017 at 9:01am by mikeaquino. Filed under: Commercial Insurance
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