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What Is Employment Practices Liability (EPL)?
Employment Practices Liability, often called EPL or EPLI, helps protect your business if an employee or job applicant claims you treated them unfairly at work. It can help cover legal defense and certain settlement or judgment costs.
What Does Employment Practices Liability (EPL) Cover?
EPL can respond to employment related claims like wrongful termination, discrimination, harassment, retaliation, and other workplace policy disputes. Coverage often includes defense costs, which can add up fast.
Wrongful termination claim
Harassment or hostile work environment
Discrimination in hiring or promotion
Key Features of Employment Practices Liability (EPL)
Defense costs can be the biggest value
Even when you did everything right, responding to a claim takes time and legal support. EPL is designed to help with attorney fees and related expenses, which can start immediately.
Built for employee and applicant allegations
EPL focuses on claims tied to employment decisions and workplace conduct, not customer injuries or property damage. It fills a gap that general liability and many business policies do not address.
Options that match how you operate
Policies can vary on limits, retentions, and what is included, such as third party claims or wage and hour defense sublimits. We help you compare forms so the coverage fits your risk profile.
Employment Practices Liability (EPL) Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
