EPLI: What Every Employer Needs to Know

EPLI protects your business from employee lawsuits — discrimination, harassment, wrongful termination. Learn who needs it and what it covers.

Coverage Explained | 5 min read | 2026-01-05

Employee lawsuits are one of the fastest-growing risks for small businesses. EPLI coverage protects you from claims that GL and workers' comp don't touch.

Employment Practices Liability Insurance covers claims made by employees (current, former, or prospective) alleging wrongful employment practices. This includes: discrimination (age, race, gender, disability), sexual harassment, wrongful termination, retaliation, failure to promote, and wage and hour disputes.

In This Article

• What EPLI Covers
• Why Small Businesses Are Especially Vulnerable
• Real-World Scenarios
• Who Needs EPLI
• How to Reduce Your EPLI Risk

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]