What is Employment Practices Liability Insurance (EPLI)?

Insurance brokers managing claims and producing EPLI information


What is EPLI?

Businesses of every size and industry are vulnerable to employment practice claims. In

FY 2020, the EEOC resolved 70,804 charges of employee discrimination, securing

$439.2 million for victims in both private sector and government workplaces. EPLI

covers defense costs and damages related to employment-related claims, including

allegations of wrongful termination, discrimination, workplace harassment and

retaliation. Small businesses, without HR departments, could be more susceptible to claims.

No industry is immune.

The primary way to minimize damages in those cases is to prevent the issues from the

start by educating managers and employees. Create effective interviewing and

screening programs to avoid discrimination in hiring. Communicate corporate policies

to ensure universal understanding. Have a path for employees to take if they are the

object of harassment or discrimination by a supervisor. Document everything that

occurs by company personnel and have policy in place to prevent and solve employee disputes in-house.


Most EPLI policies will reimburse a company for the costs of defending a lawsuit in

court, as well as for judgements and settlements, regardless of the suit’s outcome.

Without EPLI, the company/owner handles all costs, which could be substantial even

before going to court. Avoiding EPLI claims is ideal, but in the event of one, the

employee will know that you’re protected and that you don’t have to settle. This deters

claims and gives substantial peace of mind to those that might be affected.

Why Use Us?

Infinite RMIS has trained and vetted staff to answer questions and provide you with the

ideal policy. There are different levels and costs to EPLI, therefore it is important to

have the right representative on your side. This burgeoning industry has few experts in

the field who also have access to the best rates and coverage. Infinite RMIS has leaned

into the field hard and is becoming a major player. With a focus on service rather than

sales, your representative will be with you through updates, changes, and claims to the policy.