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Protecting Your Business With Employment Practices Liability Insurance

As an employer, you work hard to create a positive and lawful work environment for your employees. However, even if you follow regulations and best practices, you may still face allegations of discriminatory behavior, harassment, wrongful termination, or other employee-related issues.

Defending against such claims can drain your finances and damage your reputation. That's why having employment practices liability insurance (EPLI) is essential.

What Exactly Does EPLI Cover?

EPLI protects you when claims arise from "employment practices wrongful acts" - actions like discrimination, harassment, retaliation, wrongful discipline/demotion/termination, or failure to grant tenure. It covers the legal costs to defend against allegations as well as any settlements or judgments against you. Standard policies often exclude prior acts, contractual liabilities, bodily injuries, and more - so read carefully.

Why You Need It

Even the most conscientious employers may face suits. EPLI brings peace of mind, knowing you have experts to call on if needed. It also protects your bottom line from costly legal expenses. For public-facing companies, the PR assistance may also prove invaluable.

Can You Afford Not to Have It?

Defending a single discrimination suit can easily cost up to six figures in legal fees alone. Even baseless complaints take time and money to fight. If you lose, judgments could seriously impact your business. Compared to the catastrophic costs you risk by going bare, EPLI premiums are reasonable for the protection provided.

Protect Your Team and Your Livelihood

Don't learn the importance of EPLI the hard way. This specialised cover fills gaps left by other insurance plans. Talk to an expert today about tailoring an affordable EPLI policy right for your business before you need it!

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