Title: EPLI Insurance
Author: Chris Langille
Published: March 9, 2016
Last modified: February 3, 2017

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# EPLI Insurance

## Are you a business owner in STATENAME looking for EPLI Insurance? We can help!

EPLI covers businesses against claims by workers that their legal rights as employees
of the company have been violated.

The number of lawsuits filed by employees against their employers has been rising.
While most suits are filed against large corporations, no company is immune to such
lawsuits.

Recognizing that smaller companies now need this kind of protection, some insurers
provide this coverage as an endorsement to their Business-owners Policy (BOP). An
endorsement changes the terms and conditions of the policy.

Other companies offer EPLI as a **stand-alone** coverage.

EPLI provides protection against many kinds of employee lawsuits, including claims
of:

 ▪ Sexual harassment
 ▪ Discrimination
 ▪ Wrongful termination
 ▪ Breach of employment contract
 ▪ Negligent evaluation
 ▪ Failure to employ or promote
 ▪ Wrongful discipline
 ▪ Deprivation of career opportunity
 ▪ Wrongful infliction of emotional distress
 ▪ Mismanagement of employee benefit plans

## How much does EPLI Coverage Cost in STATENAME?

The cost of EPLI coverage depends on your type of business, the number of employees
you have and various risk factors such as whether your company has been sued over
employment practices in the past.

The policies will reimburse your company against the costs of defending a lawsuit
in court and for judgments and settlements.

The policy covers legal costs, whether your company wins or loses the suit. Policies
also typically do not pay for punitive damages or civil or criminal fines.

Liabilities covered by other insurance policies such as workers compensation are
excluded from EPLI policies.

To prevent employee lawsuits, educate your managers and employees so that you minimize
problems in the first place:

 ▪ Create effective hiring and screening programs to avoid discrimination in hiring.
 ▪ Post corporate policies throughout the workplace and place them in employee handbooks
   so policies are clear to everyone.
 ▪ Show employees what steps to take if they are the object of sexual harassment
   or discrimination by a supervisor. Make sure supervisors know where the company
   stands on what behaviors are not permissible.
 ▪ Document everything that occurs and the steps your company is taking to prevent
   and solve employee disputes.

## How to get started on your EPLI quote

To get started on your quote, [**call**](https://mu.staging.advisorevolved.com/contact/?output_format=md)
our office or [**click**](https://mu.staging.advisorevolved.com/quotes/?output_format=md)
over to our quotes page. Either way we’ll make the process simple!