Employment Practices Liability

Employers’ responsibility to their employees has dramatically increased in recent years. New laws have raised the level of regulation and oversight in the workplace. Legislation for wages, safety, benefit plans,hiring and firing, and discrimination create significant liability risks for employers. There are solutions available to mitigate those risks and provide financial protection in the event risk becomes reality.

Employment Practices Liability Insurance is one of the fastest growing risk management solutions for businesses today, for good reason: Fully 20% of all civil cases currently pending in U.S. courts involve employment matters. While the need for coverage is clear, choosing the best insurance product for your organization is not so clear. The variety of products and policy forms on the market is startling, with wide variances in premium and coverage. In this market you need a broker that understands your business and has the clout to meet your needs.

We work closely with our clients to understand their specific needs, and then work with the underwriting community to develop a custom program for your firm.


The economic climate and hiring and firing practices have become legal minefields that make employment practices liability insurance (EPLI) more important than ever.

Do you know what type of decisions could trigger a claim? For example, is it legal to terminate:

  • A driver with a bad driving record?
  • An employee who is rude to your customers?
  • An employee who swears at customers?

The answer is not simple.

Employment Practices Liability Insurance typically provides coverage for:

    • Failure to hire
    • Harassment
    • Discrimination
    • Wrongful Termination
    • Some policies also offer 24/7 access to Employment Law Attorneys as part of the coverage

Contact us to discuss how your organization manages its employment practices risks, and to see if an Employment Practices Liability insurance policy is a risk management option for you.