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Employment Practices Liability Insurance

SCS Agency Insurance can help you manage all your business risks, including employment practices liabilities. Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include claims of discrimination, wrongful termination, sexual harassment and retaliation.

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As costs for litigation and damage awards climb, experts predict that employment liability will only become more complex. As a result, it is critical for business owners to understand their exposures and options for managing risks.

Our ELPI Carriers Include:

USLI
Travelers
Philidelphia
Merchants-Insurance-Group
the-hartford
great-american-insurance
CNA-Insurance
CHUBB
Hanover-Insurance
Request your quote
USLI
Philidelphia
Travelers
Merchants-Insurance-Group
the-hartford
Hanover-Insurance
great-american-insurance
CNA-Insurance
CHUBB
Request your quote
CHUBB

What About Third Party EPLI?

Many employers do not realize that they have a gap in their insurance coverage that leaves them vulnerable to discrimination and harassment lawsuits from customers, clients, vendors, and suppliers. While standard EPLI policies only provide coverage for lawsuits brought about by employees or prospective employees, most commercial general liability (CGL) policies specifically exclude coverage for harassment and discrimination.

That’s where third-party EPLI comes in.

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EPLI Claims on the Rise

Employment-related lawsuits are a growing concern for employers of all sizes, including home-based businesses. The U.S. Equal Employment Opportunity Commission (EEOC) reports there are about 100,000 EPL claims each year.

As COVID-19 vaccination rates increase and transmission rates of the virus decrease, employment practices liability insurance (EPLI) claims involving retaliation are expected to continue to increase as employees return to the workplace. The cost to defend and settle retaliation lawsuits has increased considerably in recent years, and the EEOC doesn’t anticipate that trend slowing down.

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Avoid a Lawsuit

EPLI works to provide the necessary resources to defend your company against a lawsuit or to pay for a claim. To best understand how to cover your EPL risks, it’s important to know the potential sources:

  • Recruitment Practices
  • Employment Applications
  • Employment Offers
  • Employee Orientation Process
  • Annual Conduct Reviews
  • Enforcing Performance Policies
  • Termination
  • Improper Documentation of the items listed above
female-business-owner

DID YOU KNOW...

The U.S. Equal Employment Opportunity Commission (EEOC) reports
there are about 100,000 EPL claims each year.

Get Your EPLI Insurance Quote

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516-466-6007

1981 Marcus Ave, Ste 125

Lake Success, New York 11042

127 West 24th Street 5th Floor

New York, New York 10011

2515 Banksville Road #1047

Pittsburgh, PA 15216

963 Norland Ave #1020

Chambersburg, PA 17201

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