San Francisco Employment Practices
Liability Insurance

What is Employment Practices Liability Insurance?

Also known as EPL or EPLI, Employment practices liability insurance is a form of liability insurance that covers you and your business if your employee or former employee files a claim that alleges discrimination (based on sex, race, age, or disability), wrongful termination, gender bias, or sexual harassment.

From the moment you interview a prospective employee, you’re are at risk of an employment discrimination claim. If you choose not to hire that specific person, that individual could allege some sort of discrimination.

Even if your company is not at fault, defending a discrimination or wrongful termination claim can be expensive. Your company can suffer financial loss despite the claim being fraudulent or groundless, and the potential risk for large monetary damages in an employment claim can threaten your company’s financial security. Employment practices liability insurance can help cover those losses as well.

Who Needs Employment Practices Liability Insurance?

Small or new businesses are typically the most vulnerable to these types of claims because they typically lack a sufficient legal department or employee handbook that details the policies and procedures that guide hiring, disciplining, or terminating employees.

Larger corporations are typically prepared to deal with just about any employment lawsuit.

What Does an Employment Practices Liability Insurance Policy Typically Cover?

Employment practices liability insurance protects you and your company against losses from claims of discrimination (based on sex, race, age, or disability), wrongful termination, gender bias, or sexual harassment.

Employment practices liability insurance usually reimburses you company against the costs of defending a lawsuit in court and for judgements and settlements. The policy also covers legal costs, whether your company wins or loses the suit.

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