Employment Practices Liability (EPL)

Protect your organization against costly litigation with EPLI.


What is EPLI?

EPLI covers an employers’ defense costs and losses from employment-related claims, including wage and hour disputes and allegations of discrimination, harassment, retaliation and unlawful termination.


Do you need employment practices liability insurance? The short answer is yes. If you have employees, you have liabilities.


The statistics are not in your favor

In the last two decades, the frequency of EPLI lawsuits has risen an astounding 400%. Employers must be vigilant when it comes to protecting themselves against claims of discrimination. Having the right EPLI coverage is a good first step.


Did You Know?

Companies large and small share the burden equally. As many as 41% of EPLI-related lawsuits are brought against private companies with less than 100 employees. Your business is three times more likely to be sued as the result of an EPLI claim than it is to experience a fire.


Know the Most Common EPLI Trends to Avoid Risk

  1. Fair Pay: Avoid liability related to fair pay and the Equal Pay Act. Be proactive and self-audit.

  2. Wage Theft: Wage theft can include forcing employees to work “off the books” not providing consistent meal and rest breaks and failure to pay overtime and earned tips.

  3. Worker Classification: Avoid EPLI claims resulting from the misclassification of contract workers by better defining their independent contractor status.

  4. Gender Identity and Restroom Access: Avoiding restricting employees from the use restroom based on their gender identity.

  5. Effective Compensation: Employers who create a performance management program built on a result-driven culture that integrates compensation, rewards and performance will be well positioned to avoid potential EPL claims.

© 2020 By CalPost Insurance