Even with proper policies and training in place, businesses are still susceptible to employment-related lawsuits. Employment practices liability insurance (EPLI) may provide coverage for these claims.  

The experienced agents at Paris Kirwan Associates Inc. in Rochester, New York, can help you secure the right EPLI policy for your business’s needs. Contact us today to get started. 

What Is EPLI? 
Employment practices liability insurance can help cover claims of unlawful employment acts that may arise through the employment process (e.g., hiring, retention or promotion). It may be available as a standalone policy or as an endorsement to a general liability policy or business owners policy (BOP). EPLI may also be packaged with other management liability policies (e.g., directors and officers insurance).  

Additionally, insurers may require proof of risk management practices currently in place (e.g., employee handbooks and policies) before issuing a policy to a business. Volunteer worker coverage or risk management consultative services may also include with EPLI insurance.  

What Does EPLI Cover? 
EPLI may cover claims of wrongful employment acts from current, former or prospective employees, such as claims of:  

• Harassment
• Discrimination
• Wrongful termination
• Retaliation
• Failure to Promote
• Defamation  

EPLI policies may help pay for legal fees, including defense costs, attorney fees, settlements and judgments associated with these lawsuits. Your agent can provide additional details regarding coverages, limits and exclusions. 

How Much Is EPLI?  
The cost of EPLI depends on several factors. Variables such as the size, location and industry of your business and if your operations have faced prior lawsuits regarding unlawful workplace practices could impact costs.  

Get EPLI Insurance 
The team at Paris Kirwan Associates can help your business secure EPLI and other commercial insurance policies. Contact us today for more information or a quote.