EPLI – Employment Practices Liability Insurance posted by Charlie Longen, AIS Insurance
Why do I need EPLI?
Whether your business is large or small, if you have employees then you should consider adding Employment Practices Liability Insurance, otherwise known as EPLI. Your current policy probably does not provide coverage. Commercial Liability policies exclude EPLI claims and Commercial Umbrella policies often exclude EPLI claims.
EPLI Protects You Even When You Are Fault-Free
EPLI protects you from expensive employment litigation. A wrongful claim can disrupt your business and result in expensive defense costs. Even winning an employment lawsuit can still result in $250,000 or more in legal fees.
What is EPLI?
This insurance provides coverage for defense costs and damages related to various employment-related claims including allegations of Wrongful Termination, Discrimination, Workplace Harassment, Retaliation, Privacy Rights and Negligence.
Each EPLI policy will have specific coverages, so it is important to review your needs and make sure you have the coverages you need in place. Examples of what EPLI may cover include:
How COVID-19 Impacts EPLI Claims
Employers may see an increase in EPLI claims related to COVID-19 especially as employees return to workplaces. Claims could be due to a number of different allegations:
Review your EPLI Before You Face a Claim
EPLI premiums are rising in 2021, as much as 10 to 50 percent for some businesses such as healthcare, hospitality and transportation which have been significantly impacted by Covid-19. Although facing an additional insurance expense may not make you feel happy, it is essential to protect your business with adequate EPLI coverage. Increased layoffs in 2021 combined with Covid-19 claims are predicted to trigger an increase in age discrimination and other discrimation cases. We are more than happy to review your insurance needs and then help you get the right EPLI coverage in place. Give us a call at (610) 724-9717 or email us today firstname.lastname@example.org.
Charlie Longen, CEO and Founder
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