Employment practice liability insurance helps cover your business from employment lawsuits.

Manage your risk of lawsuits from employees with employment practice liability insurance.

Hiring employees? You need to consider EPLI.

It’s easy to feel as if employing people is a legal minefield. This is mainly because there is a high potential for lawsuits over wrongful termination, harassment, discrimination, and workplace conditions. With an employment practice liability insurance policy, also known as EPLI, you may be able to get coverage for some employment-related lawsuits such as:

What can an EPLI policy do for your business?

EPLI helps cover the risk of having to payout such claims. EPLI policies often cover the business itself, as well as individuals like company directors. Policies are usually written to help cover cases that come out of unintentional actions or failures to act rather than deliberate acts of discrimination or other wrongful practices.

About Rising Costs for EPLI Coverage

By now, employment practices lawsuits should not be surprising news. Everyone has seen or been impacted by cases of discrimination, wrongful hiring/firing, retaliation, harassment, and so forth. What is surprising, is that the frequency of claims are continuing to rise. These last 12 months of furloughs, closures, and layoffs have only increased the complexity and amount of employment practices claims. In turn, the insurance market has responded with large premium increases for this type of insurance coverage.

Prevention Steps for Rising Costs of EPLI Coverage

The best way to prevent and prepare is to ensure strong HR policies and practices along with proper documentation. An insurance policy can provide you access to advice ahead of a claim as well as a defense in the event of one. Don’t get caught unprepared and uncovered. Work with a specialist who knows your business and how to protect it.

Get coverage that’s right for your business.

One question to ask an insurer is whether the costs of defending a claim in court count towards the payout limit for any damages. Also, look out for mention of a “claims made” basis–that’s insurance jargon that means you are only covered if the policy is active both when the alleged incident took place and when the employee makes the claim.

We can walk you through the various policies available to help determine if this type of insurance is a good fit for your business.

  Next Steps

Here at Rue Insurance, our licensed agents are available to speak with you one-on-one, to develop a customized insurance plan that fits your unique needs. Contact us today and learn more about how to Be Ready with Rue at  or on our website here.