Employee lawsuits are the fastest-growing area of business litigation. EPLI protects your business when current, former, or prospective employees claim you violated their rights.
EPLI covers claims made by employees alleging various workplace violations. These claims can come from current employees, former employees, or even job applicants.
Covers claims that an employee was fired for illegal or unjust reasons.
Protects against claims of discrimination based on age, race, gender, religion, disability, or other protected classes.
Covers claims of hostile work environment, quid pro quo harassment, and related retaliation.
Covers claims that you punished an employee for filing a complaint, whistleblowing, or exercising their rights.
Some policies cover claims related to overtime, misclassification, and wage theft.
Pays for attorneys, depositions, expert witnesses, and settlements — even for baseless claims.
Any business with employees faces employment practices risk. The more employees you have, the higher your exposure — but even one employee can file a claim.
Most small businesses pay $800–$3,000/year. Rates depend on the number of employees, industry, turnover rate, and prior claims.
Yes. Claims of discriminatory hiring practices from rejected applicants are covered under most EPLI policies.
Even a 5-person company can face an employment claim. In fact, small businesses without HR departments are more likely to make procedural mistakes that lead to claims.
Some policies offer wage and hour coverage as an add-on endorsement. This is increasingly important as misclassification and overtime claims rise.
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